# EDGAR Filing Document

**Accession Number:** 0001658638
**File Stem:** 0001213900-25-057020
**Filing Date:** 2025-6
**Character Count:** 2425476
**Document Hash:** 6f720deb1cf3693971823566aa1346d4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-057020.hdr.sgml**: 20250624

**ACCESSION NUMBER**: 0001213900-25-057020

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20250624

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

**FILED AS OF DATE**: 20250624

**DATE AS OF CHANGE**: 20250624

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638

**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:** 025-02419
- **FILM NUMBER:** 251067577

**BUSINESS ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638

**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:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638

**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:** 025-02419

**BUSINESS ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101

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

**<u>Onslow Bay Funding LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001658638

<u>OBX 2025-NQM12 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Michael Fania, (212) 696-0100

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

99.01 [AMC Diligence, LLC ()"**AMC**") Narrative](ea024626201_ex99-01.htm)

99.02 [AMC Rating Agency Grades Report](ea024626201_ex99-02.htm)

99.03 [AMC Exception Grades Report](ea024626201_ex99-03.htm)

99.04 [AMC Valuation Summary Report](ea024626201_ex99-04.htm)

99.05 [AMC Supplemental Data Report](ea024626201_ex99-05.htm)

99.06 [AMC Business Purpose Report](ea024626201_ex99-06.htm)

99.07 [AMC Data Compare Report](ea024626201_ex99-07.htm)

99.08 [Canopy Financial Technology Partners LLC ()"**Canopy**") Narrative](ea024626201_ex99-08.htm)

99.09 [Canopy Supplemental Data Report](ea024626201_ex99-09.htm)

99.10 [Canopy Business Purpose Report](ea024626201_ex99-10.htm)

99.11 [Canopy Rating Agency Grades Detail Report](ea024626201_ex99-11.htm)

99.12 [Canopy Rating Agency Grades Summary Report](ea024626201_ex99-12.htm)

99.13 [Canopy Valuation Report](ea024626201_ex99-13.htm)

99.14 [Canopy ATR or QM Report](ea024626201_ex99-14.htm)

99.15 [Canopy Data Compare Report](ea024626201_ex99-15.htm)

99.16 [Clarifii LLC ()"**Clarifii**") Narrative](ea024626201_ex99-16.htm)

99.17 [Clarifii Supplemental Data Report](ea024626201_ex99-17.htm)

99.18 [Clarifii Business Purpose Report](ea024626201_ex99-18.htm)

99.19 [Clarifii Rating Agency Grades Summary Report](ea024626201_ex99-19.htm)

99.20 [Clarifii Rating Agency Grades Detail Report](ea024626201_ex99-20.htm)

99.21 [Clarifii Valuation Report](ea024626201_ex99-21.htm)

99.22 [Clarifii ATR or QM Report](ea024626201_ex99-22.htm)

99.23 [Clarifii Data Compare Report](ea024626201_ex99-23.htm)

99.24 [Evolve Mortgage Services ()"**Evolve**") Narrative](ea024626201_ex99-24.htm)

99.25 [Evolve Business Purpose Report](ea024626201_ex99-25.htm)

99.26 [Evolve Rating Agency Grades Detail Report](ea024626201_ex99-26.htm)

99.27 [Evolve Rating Agency Grades Summary Report](ea024626201_ex99-27.htm)

99.28 [Evolve Valuation Report](ea024626201_ex99-28.htm)

99.29 [Evolve ATR or QM Report](ea024626201_ex99-29.htm)

99.30 [Evolve Data Compare Report](ea024626201_ex99-30.htm)

99.31 [Evolve Supplemental Data Report](ea024626201_ex99-31.htm)

99.32 [Maxwell Diligence Solutions, LLC ()"**Maxwell**") Narrative](ea024626201_ex99-32.htm)

99.33 [Maxwell Business Purpose Report](ea024626201_ex99-33.htm)

99.34 [Maxwell Standard Exceptions Report](ea024626201_ex99-34.htm)

99.35 [Maxwell Rating Agency Grades Report](ea024626201_ex99-35.htm)

99.36 [Maxwell Valuation Report](ea024626201_ex99-36.htm)

99.37 [Maxwell Data Compare Report](ea024626201_ex99-37.htm)

99.38 [Maxwell Supplemental Data Report](ea024626201_ex99-38.htm)

**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.

---

| | | |
|:---|:---|:---|
|  | **ONSLOW BAY FUNDING LLC** | **ONSLOW BAY FUNDING LLC** |
| Date: June 24, 2025 | /s/ Michael Fania | /s/ Michael Fania |
|  | Name: | Michael Fania |
|  | Title: | Authorized Signatory |

---

## Exhibit 99.01

**Exhibit 99.01**

![](ex99-01_001.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 originated by multiple correspondent lenders and acquired directly on a mini-bulk basis by Onslow Bay Financial LLC (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via reliance letter. The Review (including the Review related to reliance letter loans) was conducted from April 2024 through May 2025 on mortgage loans with origination dates from March 2024 through May 2025.

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

The total population of the Review covered 272 mortgage loans totaling an aggregate original principal balance of approximately $141.817 million.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Term |  |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Originator Application Date |  |

---

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

**<u>CREDIT SCOPE (159 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, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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![](ex99-01_001.jpg)

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

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

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

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

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

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

**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.

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![](ex99-01_001.jpg)

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

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

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

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

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

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

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

**<u>COMPLIANCE SCOPE (159 Mortgage Loans):</u>**

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

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![](ex99-01_001.jpg)

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 loan's collateral that has been reviewed by AMC.

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

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

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

iii) errors in the right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period; 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;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>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to 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.

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![](ex99-01_001.jpg)

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

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

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

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

**(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**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

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

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

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**<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 AMC. 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;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;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;(1) Note: Where available, AMC 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, AMC'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;b) <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 loan to a first
time homebuyer that contains a negative amortization feature;

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

&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;d) <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;
and

&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;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;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;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;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 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). AMC determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, AMC notes if an originator loan designation was not provided.

 

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*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC 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, AMC 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, AMC 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, AMC 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>*

AMC 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, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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.

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**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the 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 AMC. 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, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG 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 Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.

**(XIII) 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;▪ Loan Estimates;

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

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

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**<u>DEBT SERVICE COVERAGE RATIO (DSCR) REVIEW (113 Mortgage Loans)</u>**

**DOCUMENT REVIEW**

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.

**CREDIT REVIEW**

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.

**DATA COLLECTION**

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.

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

**Data Integrity Review:** AMC compared data fields on the securitization tape provided by the Client to the data found in the actual file as captured by AMC.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, 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.

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

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

(Please note there are "Leases" loans that did not receive a compliance review or grade.)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;213 | &nbsp;&nbsp;109 | &nbsp;&nbsp;270 | &nbsp;&nbsp;178 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;59 | &nbsp;&nbsp;50 | &nbsp;&nbsp;2 | &nbsp;&nbsp;94 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**272** |
| &nbsp;&nbsp;**Fitch & Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Fitch & Kroll Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78.31% | &nbsp;&nbsp;68.55% | &nbsp;&nbsp;99.26% | &nbsp;&nbsp;65.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21.69% | &nbsp;&nbsp;31.45% | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;34.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***60*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**60** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**65** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**127** |

---

12 \| P a g e

![](ex99-01_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 272 mortgage loans reviewed, 228 mortgage loans had 544 different tape discrepancies across 23 data fields (some mortgage loans had more than one data delta). The largest variances were found on Investor: Qualifying Total Debt Ratio, Mortgage Type and LTV Valuation Value.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;270 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;42 | &nbsp;&nbsp;270 | &nbsp;&nbsp;15.56% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;227 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;8 | &nbsp;&nbsp;267 | &nbsp;&nbsp;3.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;64 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;64 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;186 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;24 | &nbsp;&nbsp;272 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;79 | &nbsp;&nbsp;235 | &nbsp;&nbsp;33.62% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;49 | &nbsp;&nbsp;272 | &nbsp;&nbsp;18.01% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;76 | &nbsp;&nbsp;272 | &nbsp;&nbsp;27.94% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;270 | &nbsp;&nbsp;8.15% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;11 | &nbsp;&nbsp;272 | &nbsp;&nbsp;4.04% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;20 | &nbsp;&nbsp;272 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;272 | &nbsp;&nbsp;8.09% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.39% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;8 | &nbsp;&nbsp;105 | &nbsp;&nbsp;7.62% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;36 | &nbsp;&nbsp;272 | &nbsp;&nbsp;13.24% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;94 | &nbsp;&nbsp;10.64% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;31 | &nbsp;&nbsp;272 | &nbsp;&nbsp;11.40% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;272 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;21 | &nbsp;&nbsp;270 | &nbsp;&nbsp;7.78% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;46 | &nbsp;&nbsp;112 | &nbsp;&nbsp;41.07% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;10 | &nbsp;&nbsp;272 | &nbsp;&nbsp;3.68% | &nbsp;&nbsp;272 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**544** | &nbsp;&nbsp;**6859** | &nbsp;&nbsp;**7.93%** | &nbsp;&nbsp;**272** |

---

13 \| P a g e

![](ex99-01_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;254 | &nbsp;&nbsp;93.38% | &nbsp;&nbsp;$128087884.00 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.62% | &nbsp;&nbsp;$13729532.00 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;272 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$141817416.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;71 | &nbsp;&nbsp;26.10% | &nbsp;&nbsp;$36316650.00 | &nbsp;&nbsp;25.61% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;8.09% | &nbsp;&nbsp;$13566294.00 | &nbsp;&nbsp;9.57% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;156 | &nbsp;&nbsp;57.35% | &nbsp;&nbsp;$77717377.00 | &nbsp;&nbsp;54.80% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.46% | &nbsp;&nbsp;$14217095.00 | &nbsp;&nbsp;10.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$953684.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;268 | &nbsp;&nbsp;98.53% | &nbsp;&nbsp;$140300732.00 | &nbsp;&nbsp;98.93% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$563000.00 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;146 | &nbsp;&nbsp;53.68% | &nbsp;&nbsp;$86167808.00 | &nbsp;&nbsp;60.76% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$9239500.00 | &nbsp;&nbsp;6.52% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$721875.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;68 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$26463923.00 | &nbsp;&nbsp;18.66% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;$120000.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;$1507000.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;24 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;$12645425.00 | &nbsp;&nbsp;8.92% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;$2546250.00 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;$2405635.00 | &nbsp;&nbsp;1.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;102 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$78376908.00 | &nbsp;&nbsp;55.27% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;151 | &nbsp;&nbsp;55.51% | &nbsp;&nbsp;$52608333.00 | &nbsp;&nbsp;37.10% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.99% | &nbsp;&nbsp;$10832175.00 | &nbsp;&nbsp;7.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$141817416.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.02

**Exhibit 99.02**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 4000029178 | XXXX |  |  | D |  | D | D | A |  | A | A |  |
| XXXX | 4000047785 | XXXX |  |  | B |  | A | B | B |  | A | B |  |
| XXXX | 4000057168 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000057350 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 4000056379 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000060757 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000055710 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 4000059754 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000054382 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000059688 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000061358 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
| XXXX | 4000062391 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000061601 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 4000062005 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000058492 | XXXX |  |  | C | B | A | C | B | B | A | B |  |
| XXXX | 4000061630 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000060023 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000063004 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 4000062783 | XXXX |  |  | B |  | A | B | B |  | A | B |  |
| XXXX | 4000064595 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000062059 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000063988 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000058844 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
| XXXX | 4000051648 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000063121 | XXXX |  |  | B | B | A | B | B | B | A | B |  |
| XXXX | 4000062057 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000063976 | XXXX |  |  | C |  | A | C | B |  | A | B |  |
| XXXX | 4000063281 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000063082 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000064526 | XXXX |  |  | B | B | A | B | B | B | A | B |  |
| XXXX | 4000063171 | XXXX |  |  | B |  | A | B | B |  | A | B |  |
| XXXX | 4000062006 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000062892 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000064197 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000066439 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000066845 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000064091 | XXXX |  |  | B | C | A | C | B | B | A | B |  |
| XXXX | 4000062589 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000065846 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000065647 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
| XXXX | 4000066499 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000066502 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000064621 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000062662 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000062971 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000062051 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066116 | XXXX |  |  | C | C | A | C | B | A | A | B |  |
| XXXX | 4000064155 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000064933 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066790 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000067114 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000066245 | XXXX |  |  | D |  | A | D | B |  | A | B |  |
| XXXX | 4000063388 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000064382 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000065748 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000061504 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 4000066928 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000065972 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000065128 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000063997 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 4000063772 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066945 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000064459 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000067947 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000067449 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000063613 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000063655 | XXXX |  |  | B |  | A | B | B |  | A | B |  |
| XXXX | 4000066095 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000063427 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000069664 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000067909 | XXXX |  |  | C | B | A | C | A | B | A | B |  |
| XXXX | 4000067296 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000065108 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 4000067057 | XXXX |  |  | C |  | A | C | A |  | A | A |  |
| XXXX | 4000065866 | XXXX |  |  | C |  | A | C | B |  | A | B |  |
| XXXX | 4000068387 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000069716 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000066183 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
| XXXX | 4000066007 | XXXX |  |  | B |  | A | B | B |  | A | B |  |
| XXXX | 4000065969 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066524 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066493 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000066027 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000068119 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000067299 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
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| XXXX | 4000070099 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
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| XXXX | 4000072824 | XXXX |  |  | C | B | A | C | B | B | A | B |  |
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| XXXX | 4000074646 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000073799 | XXXX |  |  | B | B | A | B | B | B | A | B |  |
| XXXX | 4000073798 | XXXX |  |  | A | B | D | D | A | B | A | B |  |
| XXXX | 4000073026 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 4000073451 | XXXX |  |  | A |  | A | A | A |  | A | A |  |
| XXXX | 4000072366 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000074502 | XXXX |  |  | A |  | D | D | A |  | A | A |  |
| XXXX | 4000075312 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
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| XXXX | 4000072135 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000074213 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000071076 | XXXX |  |  | B | C | A | C | B | A | A | B |  |

---

## Exhibit 99.03

**Exhibit 99.03** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXXXXX | 4000029178 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Please provide a copy of the CDA, only a XXXXappraisal was provided. |  |  |  | Reviewer Comment (2024-04-25): Received, Clearing.<br>Buyer Comment (2024-04-24): Comment from XXXX (XXXX): NO CDA required due to CU score 1 | 04/25/2024 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXXXXX | 4000029178 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Please provide a copy of the background check with the XXXXsearch for XXXXX XXXXX as he is the guarantor on the loan. |  |  |  | Reviewer Comment (2024-04-25): Received, Clearing.<br>Seller Comment (2024-04-24): Comment from XXXX (XXXX): XXXX | 04/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXXXXX | 4000029178 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Please provide a copy of the Fraud Report for XXXX as he is the guarantor on the loan. |  |  |  | Reviewer Comment (2024-04-25): Received, Clearing.<br>Seller Comment (2024-04-24): Comment from XXXX (XXXX): XXXX | 04/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXXXXX | 4000029178 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Provide Bylaws for business XXXX |  |  |  | Reviewer Comment (2024-04-25): Received, Clearing.<br>Seller Comment (2024-04-24): Comment from XXXX (XXXX): bylaws | 04/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXXXXX | 4000029178 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-06-13): Guarantor Agreement received<br>Seller Comment (2024-06-13): Comment from XXXX (XXXX): please see attached<br>Reviewer Comment (2024-04-25): No Guarantor Agreement provided with exception clearing docs.<br>Seller Comment (2024-04-24): Comment from XXXX (XXXX): misc | 06/13/2024 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXXXXX | 4000047785 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not provided on the title preliminary document. |  |  |  | Reviewer Comment (2024-10-14): Waived per client request |  |  | 10/14/2024 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000057350 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. |  |  |  | Reviewer Comment (2025-01-03): Waived per client |  |  | 01/03/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000057350 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | SitusAMC | Reviewer Comment (2025-01-21): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Reviewer Comment (2025-01-21): .<br>Reviewer Comment (2025-01-17): Received Post Disaster Inspection (PDI). Exception cleared.<br>Seller Comment (2025-01-17): Comment from XXXX (XXXX): Disaster Report |  |  | 01/21/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000057350 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | We will need a new VOE/CPA letter (if SE) confirming the borrower(s) was not impacted by the wildfires. |  |  |  | Reviewer Comment (2025-01-31): Provided. Cleared.<br>Buyer Comment (2025-01-31): Comment from XXXX (XXXX): Disagree, please revisit. The employment was reverified and resigned by XXXX representative. Reverification completed on XXXX8th- post FEMA<br>Reviewer Comment (2025-01-30): None of the VOE information attached is from post FEMA declaration.<br>Seller Comment (2025-01-30): Comment from XXXX (XXXX): See attached VVOE- Reverified | 01/31/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000057350 | XXXXXXX |  | XXXXXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXX / Post Disaster Inspection + XXXX - 5 Days |  |  |  | Reviewer Comment (2025-01-21): c<br>Reviewer Comment (2025-01-19): Valuation Received - XXXX | 01/21/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000055710 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-01-14): Accepted as is. |  |  | 01/14/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000055710 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-14): Sufficient Cure Provided At Closing |  | 01/14/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000059688 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The coverage is short XXXX per RCE provided. |  |  |  | Reviewer Comment (2025-02-12): Received, Clearing.<br>Seller Comment (2025-02-12): Comment from XXXX (XXXX): Enclosed<br>Reviewer Comment (2025-01-24): $XXXXis other structures and is not part of coverage A or additional to A. We need RCE or exception from the buyer of the loan.<br>Seller Comment (2025-01-24): Comment from XXXX (XXXX): enclosed.Per agent:This policy is currently at $XXXXfor the Dwelling structure plus an extension of $XXXXfor other structures and in addition to this coverage ph has an additional increase Dwlg coverage of $XXXX. All added equals the estimated replacement cost. | 02/12/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000061358 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of the Insurance Verification for the property address XXXX |  |  |  | Reviewer Comment (2025-02-05): Received Mortgage Statement confirms Insurance amount is escrowed. Exception cleared.<br>Seller Comment (2025-02-05): Comment from XXXX (XXXX): Attached mortgage statement that confirms HOI is escrowed. | 02/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000061358 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower had exception outside of XXXX months ago but does not have XXXX FICO. Guides require XXXX FICO when there has been a modification. Modification took place XXXX years ago. Approved: moderate DTI of XXXX%, low payment shock of XXXX%, strong residual income of $XXXXmonthly. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of XXXX months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-21): Client elects to waive/regrade with compensating factors. |  |  | 01/21/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000062391 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The Final CD list a pre payment penalty, however the Prepayment Penalty terms are not disclosed on the Note and the Note Addendum was not received. |  |  |  | Reviewer Comment (2025-01-30): Received, Clearing.<br>Seller Comment (2025-01-30): Comment from XXXX(XXXX): Attached PCCD removing prepayment.<br>Thank you! | 01/30/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| XXXXXXX | 4000061601 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-28): Sufficient Cure Provided At Closing |  | 01/28/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000061601 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing in file. |  |  |  | Reviewer Comment (2025-01-30): Received, Clearing.<br>Seller Comment (2025-01-30): Comment from XXXX (XXXX): Please see attached XXXX. | 01/30/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000061601 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The title settlement fee was previously disclosed to the borrower on the loan estimate as $XXXXbut it increased on the closing disclosure to $XXXXwith no cure provided to the borrower. |  |  |  | Reviewer Comment (2025-02-14): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-02-13): Comment from XXXX (XXXX): Please find the attached PCCD with Total Credit of $XXXX<br>Reviewer Comment (2025-02-13): XXXX Agree that cure of $XXXX provided for Title - CPL fee and Title - Settlement Fee however, PCCD should reflect cure of $XXXX (provided after closing) + $XXXXfor XXXX% tolerance (Provided at closing). The PCCD is the final disclosure and should include total credit provided till date which is $XXXX + $XXXX = $XXXX Please provide corrected PCCD to reflect cure amount as $XXXX under section J for remediation.<br>Buyer Comment (2025-02-12): Comment from XXXX (XXXX): The tolerance fee for Title - Settlement fee is $ XXXX, $XXXX was charged, Cure =XXXX<br> The tolerance for Title Closing Protection Fee is $ XXXX , $XXXX was charged, Cure= $XXXX<br> Total Cure is $ XXXX, please let us know the calculation for $XXXX<br>Reviewer Comment (2025-02-11): XXXX Do not require any Check. On provided PCCD dated XXXX incorrect Cure amount reflecting as $XXXX instead of $XXXX. In order to Cure this exception, kindly provide Corrected PCCD and LOE showing Cure under section J as $XXXX (inner and outer column).<br>Buyer Comment (2025-02-11): Comment from XXXX (XXXX): The check was already sent and delivered to the borrower. Please confirm if its ok to send a check for the difference.<br>Reviewer Comment (2025-02-09): XXXX received PCCD, LOE, proof of mailing & copy of refund check, however PCCD should reflect cure of $XXXX as $XXXX provided at closing and received copy of check for $XXXX Please provide corrected PCCD to reflect cure amount as $XXXX.<br>Seller Comment (2025-02-06): Comment from XXXX (XXXX): Please see attached corrected CD, LOE, check, and label.<br>Reviewer Comment (2025-02-04): XXXX The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title - Settlement fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-01-31): Comment from XXXX (XXXX): There's no tolerance for this fee. Fee is in section C and services that borrower shopped for. |  | 02/14/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000061601 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The title closing protection letter fee was previously disclosed to the borrower on the loan estimate as $XXXXbut it increased on the closing disclosure to XXXXwith no cure provided to the borrower. |  |  |  | Reviewer Comment (2025-02-14): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-02-13): Comment from XXXX (XXXX): Please find the attached PCCD with total cure of $XXXX<br>Reviewer Comment (2025-02-13): XXXX Agree that cure of $XXXXprovided for Title - CPL fee and Title - Settlement Fee however, PCCD should reflect cure of $XXXX (provided after closing) + $XXXX for XXXX% tolerance (Provided at closing). The PCCD is the final disclosure and should include total credit provided till date which is $XXXX + $XXXX = $XXXX. Please provide corrected PCCD to reflect cure amount as $XXXX under section J for remediation.<br>Buyer Comment (2025-02-12): Comment from XXXX (XXXXe): The tolerance fee for Title - Settlement fee is $ XXXX, $XXXX was charged, Cure =XXXX The tolerance for Title Closing Protection Fee is $ XXXX , $XXXX was charged, Cure= $XXXX Total Cure is $ XXXX, please let us know the calculation for $XXXX<br>Reviewer Comment (2025-02-11): XXXX Do not require any Check. On provided PCCD dated XXXX incorrect Cure amount reflecting as $XXXXinstead of $XXXX. In order to Cure this exception, kindly provide Corrected PCCD and LOE showing Cure under section J as $XXXX (inner and outer column).<br>Buyer Comment (2025-02-11): Comment from XXXX (XXXX): The check was already sent and delivered to the borrower. Please confirm if its ok to send a check for the difference.<br>Reviewer Comment (2025-02-09): XXXX received PCCD, LOE, proof of mailing & copy of refund check, however PCCD should reflect cure of $XXXX as $XXXXprovided at closing and received copy of check for $XXXX. Please provide corrected PCCD to reflect cure amount as $XXXX.<br>Seller Comment (2025-02-06): Comment from XXXX (XXXX): Please see attached corrected CD, LOE, check, and label.<br>Reviewer Comment (2025-02-04): XXXX The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title - Closing Protection Letter was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-01-31): Comment from XXXX (XXXX): There's no tolerance for this fee. Fee is in section C and services that borrower shopped for. |  | 02/14/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000061601 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. | The recording fee was previously disclosed to the borrower on the loan estimate as $XXXX but it increased on the closing disclosure to $XXXXwith no cure provided to the borrower. |  |  |  | Reviewer Comment (2025-02-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-01-31): Comment from XXXX (XXXX): Please refer to page XXXX of the closing disclosure. section J lender credits. Cure was applied. | 02/04/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000058492 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount not provided in Title Preliminary document. |  |  |  | Reviewer Comment (2025-01-30): Accepted as is. |  |  | 01/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000058492 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Property Inspection Report document is missing from file. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | SitusAMC | Reviewer Comment (2025-02-03): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Reviewer Comment (2025-01-31): Exception from buyer would be required. Exception remains<br>Buyer Comment (2025-01-31): Comment fromXXXX (XXXX): Unlike storms, wildfires have a verifiable perimeter. As outlined in the XXXX DI Process document, attached,XXXX utilizes a variety of sources to determine which zip codes are within that perimeter. Once a zip code, or zip codes, have been determined to be within the area verified to be affected by the wildfire, disaster inspections are ordered for properties within those zip codes. Sources utilized by XXXX to determine a wildfire's verified perimeter include, but are not limited to, national news outlets, local news outlets, XXXXs CAL FIRE map and notifications, and FEMA briefings. <br>Using this process of determination, the XXXX zip codes below have been determined to require DIs. Zip codes outside of these XXXX do not require DIs based on our wildfire process at this time. <br>Zip Codes w/ Fire Damage Risk: <br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX<br> XXXX XXXX |  |  | 02/03/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000058492 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-01-30): Accepted as is. |  |  | 01/30/2025 | 2 B |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000058492 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A new VOE/CPA letter (if SE) confirming the borrower was not impacted by the wildfires. |  |  |  | Reviewer Comment (2025-02-05): Received, Clearing.<br>Seller Comment (2025-02-05): Comment from XXXX (XXXX): XXXX: VOE email attached. | 02/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000058492 | XXXXXXX |  | XXXXXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXX / Post Disaster Inspection + XXXX - 5 Days |  |  |  | Reviewer Comment (2025-02-03): C<br>Reviewer Comment (2025-02-01): Valuation Received - XXXX | 02/03/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000061630 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-01-30): Sufficient Cure Provided At Closing |  | 01/30/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000060023 | XXXXXXX |  | XXXXXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-02-04): Received E-Sign Consent Agreement. Exception cleared.<br>Seller Comment (2025-02-04): Comment from XXXX (XXXX): ECONSENT | 02/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000060023 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing evidence of donor withdrawal for $XXXXgift |  |  |  | Reviewer Comment (2025-02-04): Received, Clearing.<br>Seller Comment (2025-02-04): Comment from XXXX (XXXX): Please see the attached Memo. | 02/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000060023 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of deposit for $XXXX gift |  |  |  | Reviewer Comment (2025-02-04): Received, Clearing.<br>Seller Comment (2025-02-04): Comment from XXXX (XXXX): Please see the attached Memo. | 02/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000063004 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure Provided |  |  |  | Reviewer Comment (2025-02-14): XXXXreceived Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-02-13): Comment from XXXX (XXXXs): Cure enclosed<br>Reviewer Comment (2025-02-13): XXXX: Cure required for increase in transfer taxes is $XXXX. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-11): Comment fromXXXX XXXX): Hello,<br> Please clarify what cure amount is required? Im not seeifng hr numbers that are listedon the condition:<br>TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (XXXX) - No Cure Provided |  | 02/14/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000063004 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification is missing in file. |  |  |  | Reviewer Comment (2025-02-12): Received Tax Verification. Exception cleared.<br>Seller Comment (2025-02-11): Comment fromXXXX(XXXX): proerty report was included in the file | 02/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000062783 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided. |  |  |  | Reviewer Comment (2025-02-12): Accepted as is per client |  |  | 02/12/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000064595 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $XXXX is sufficient to cover the mortgage amount of $XXXX, however is insufficient to cover the estimated cost new of $XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2025-03-04): Received, Clearing.<br>Seller Comment (2025-03-04): Comment from XXXX (XXXX): please review attached to clear condition. Thank you | 03/04/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000062059 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-03-04): Received, cleared<br>Seller Comment (2025-03-04): Comment from XXXX XXXX): enclosed | 03/04/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | Yes |
| XXXXXXX | 4000058844 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster that does not have a declared end date | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX | SitusAMC | Reviewer Comment (2025-02-17): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX |  |  | 02/17/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000058844 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Valid COC Provided |  |  |  | Reviewer Comment (2025-02-20): XXXX received valid COC dated XXXX.<br>Seller Comment (2025-02-19): Comment from XXXX (XXXX.): Please see attached. | 02/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000058844 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX | SitusAMC | Reviewer Comment (2025-02-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 02/20/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000063121 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Reviewer Comment (2025-02-17): Waived per client request |  |  | 02/17/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000063121 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-02-14): Sufficient Cure Provided At Closing |  | 02/14/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000063121 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-02-17): Waived per client request |  |  | 02/17/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000062057 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure provided for increase in credit report fee |  |  |  | Reviewer Comment (2025-03-04): XXXX received a valid COC.<br>Seller Comment (2025-03-03): Comment from XXXX (XXXX): attached for condition review<br>Reviewer Comment (2025-02-26): XXXX received rebuttal, COC dated XXXX available in file however there is only one credit report available in file dated XXXX. Please provide the other credit report to re-evaluate the exception.<br>Seller Comment (2025-02-25): Comment from XXXX (XXXX): please see attached for condition review | 03/04/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXXXXX | 4000063976 | XXXXXXX |  | XXXXXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The address of XXXX, does not matches the note or security agreement address | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | SitusAMC | Reviewer Comment (2025-04-22): Client elects to waive with compensating factors<br>Reviewer Comment (2025-04-08): Received address affidavit. The corrected executed note and security agreement is required to clear this exception.<br>Seller Comment (2025-04-08): Comment from XXXX (XXXX): XXXX XXXX: Recorded address affidavit.<br>Reviewer Comment (2025-03-01): Note shows XXXX while appraisal shows XXXX.<br>Seller Comment (2025-02-28): Comment from XXXX: XXXX: The appraisal does show the address of XXXX.<br>Reviewer Comment (2025-02-26): As stated the appraisal would need updated if the address is listed wrong on an exception from the buyer of the loan.<br>Buyer Comment (2025-02-26): Comment from XXXX (United Shore): XXXX XXXX: The document does show the new address of XXXX.<br>Reviewer Comment (2025-02-24): The appraisal would need updated if the address is listed wrong.<br>Seller Comment (2025-02-24): Comment from XXXX (XXXX): XXXX XXXX: Please see attached document |  |  | 04/22/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000064526 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-02-19): Accepted as is. |  |  | 02/19/2025 | 2 B |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000064526 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-02-19): Accepted as is. |  |  | 02/19/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000063171 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-02-19): Accepted as is. |  |  | 02/19/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXXXXX | 4000062892 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $XXXXis sufficient to cover the mortgage amount of $XXXXbut the appraiser did not provide an estimated cost to rebuild. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall based on XXXX% of the appraised value is $XXXX |  |  |  | Reviewer Comment (2025-02-24): Received, Clearing.<br>Seller Comment (2025-02-24): Comment from XXXX (XXXX): We are unable to provide a replacement cost estimator for the property since it is located in the state of XXXX, but please see email from insurance agent attached verifying the property/policy is written to replacement. | 02/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000064197 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-02-24): Accepted as is. |  |  | 02/24/2025 | 2 B |  | MI | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000066439 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-02-26): Received, Clearing.<br>Seller Comment (2025-02-26): Comment from XXXX (XXXX): XXXX attached<br> XXXX attached<br> Listings attached<br>Reviewer Comment (2025-02-26): Please provide XXXX- month short term rental history via XXXX, XXXX, XXXX or XXXX. Exception remains.<br>Buyer Comment (2025-02-25): Comment from XXXX (XXXX): Property is a short term rental | 02/26/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000064091 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide Title evidence with policy amount of $XXXX |  |  |  | Reviewer Comment (2025-02-27): Accepted as is.<br>Seller Comment (2025-02-27): Comment from XXXX (XXXX): Final Title Policy |  |  | 02/27/2025 | 2 B |  | NM | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000064091 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No COC found for change in Appraisal Re-Inspection Fee. |  |  |  | Reviewer Comment (2025-03-06): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-03-05): Comment from XXXX (XXXX): PCCD and check to cure the tolerance violation.<br>Reviewer Comment (2025-03-03): XXXX received COC dated XXXX, however 1004 is dated XXXX and fee added on XXXX which is not within XXXX days. Please provide valid additional sufficient information why fee was not disclosed within XXXX days or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-02-27): Comment from XXXX (XXXX): COC |  | 03/06/2025 |  | 2 C B |  | NM | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000064091 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet guideline requirement for active tradelines reporting in past XXXXmonths for minimum of XXXXmonths. Lender exception. LTV XXXX%, FICO XXXX | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-27): Lender elects to waive/regrade with compensating factors. |  |  | 02/27/2025 | 2 B |  | NM | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000065647 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXXexceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-05): XXXX received a valid COC.<br>Seller Comment (2025-03-04): Comment from XXXX (XXXX): XXXX XXXX: Please see attached Rate Lock Sheets and approval fromXXXXfor management LLPA | 03/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000065647 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Cure not provided |  |  |  | Reviewer Comment (2025-03-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-03-04): Comment from XXXX (XXXX): XXXX XXXX: Please see attached Closing Disclosure reflecting a tolerance credit of $XXXX for the Credit Report fee | 03/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000065647 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is using two separate accounts for income for qualifying. Lender exception approved Comp factors LTV below XXXX%, Credit score above XXXXDTI below XXXX%. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX 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 XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-03): Lender elects to waive/regrade with compensating factors. |  |  | 03/03/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000065647 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-05): Sufficient Cure Provided At Closing |  | 03/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000062971 | XXXXXXX |  | XXXXXXX |  | 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 Of Employment Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-04): Sufficient Cure Provided At Closing |  | 03/04/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000066116 | XXXXXXX |  | XXXXXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-03-05): Received, Clearing.<br>Seller Comment (2025-03-05): Comment from XXXX (XXXX): econs | 03/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000066116 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file |  |  |  | Reviewer Comment (2025-03-05): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-03-05): Comment from XXXX (XXXX): fraud rpt | 03/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000066116 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | There was no cure or valid change of circumstance for the zero tolerance discount points fee increase. |  |  |  | Reviewer Comment (2025-03-06): XXXX received a valid COC.<br>Seller Comment (2025-03-05): Comment from XXXX (XXXX): cics | 03/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000066116 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a non-arm's length transaction due to borrower is living rent free from the current landlord. Compensating factors are XXXX FICO and XXXX months of reserves. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXXmonths.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-04): Client elects to waive with compensating factors |  |  | 03/04/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000067114 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing |  |  |  | Reviewer Comment (2025-03-06): BPC not required for consumer purpose loan<br>Seller Comment (2025-03-06): Comment from XXXX (XXXX): XXXX XXXX Business Purpose Certificate not required on consumer purpose loan | 03/06/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000066245 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file was missing a copy of Security Instrument - Subject Lien |  |  |  | Reviewer Comment (2025-03-10): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from XXXX (XXXX): deed | 03/10/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000066245 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  | The file was missing a copy of Occupancy Certificate. |  |  |  | Reviewer Comment (2025-03-10): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from XXXX (XXXX): occupancy | 03/10/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000066245 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX and XXXX bookings were used for short term rental as opposed to XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-06): Client elects to waive with compensating factors |  |  | 03/06/2025 | 2 B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000066245 | XXXXXXX |  | XXXXXXX |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. |  | Exception was approved to use XXXX bookings and XXXX however, the XXXX is missing from the file |  |  |  | Reviewer Comment (2025-03-10): Received, Clearing.<br>Seller Comment (2025-03-10): Comment from XXXX (XXXX): XXXX | 03/10/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000061504 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The lender did not include the departing residence payment in the DTI. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Seller Comment (2025-03-12): Comment from XXXX (XXXX): We are excluding the PITIA for the departing residence using section XXXX of their guidelines. We have an LOX confirming the departing residence will be listed for sale within XXXX days, and another LOX confirming it has been listed. We also have a full appraisal confirming XXXX% equity. This meets section XXXX of the guidelines to exclude the PITIA<br>Reviewer Comment (2025-03-10): Final 1008 list DTI of XXXX%- proposed payment total PITIA of XXXX + all other payments used to qualify $XXXX-total all payments $XXXX. Verified total debts $XXXX -$XXXX = $XXXX (which is the verified payment for the departing residence.)<br>Buyer Comment (2025-03-10): Comment from XXXX (XXXX): Section XXXX of the final 1003 evidences the mortgage payment included in DTI. Please advise where you see it is not included. | 03/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000061504 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing. | 03/12/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXXXXX | 4000061504 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The lender did not include the departing residence payment in the DTI. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing. | 03/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000061504 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The lender did not include the departing residence payment in the DTI. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing. | 03/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000065972 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Proof of the borrower receiving rental income from the subject property on a Month-to-Month lease was not provided as required per guidelines. |  |  |  | Reviewer Comment (2025-03-13): Received, Clearing.<br>Seller Comment (2025-03-12): Comment from XXXX(XXXX): XXXX XXXX - See attached bank statement evidencing the receipt | 03/13/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000063997 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Seller Comment (2025-03-12): Comment from XXXX (XXXX): Please see attached final ALTA Settlement Statement from the sale of XXXX. Assets for funds to close and reserves are from the proceeds of this sale. Please clear exception and all waterfalls. | 03/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000063997 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves months discrepancy. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from XXXX (XXXX: Please see attached final ALTA Settlement Statement from the sale of XXXX. Assets for funds to close and reserves are from the proceeds of this sale. Please clear exception and all waterfalls. | 03/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000063997 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from XXXX (XXXX): Please see attached final ALTA Settlement Statement from the sale of XXXX XXXX. Assets for funds to close and reserves are from the proceeds of this sale. Please clear exception and all waterfalls. | 03/12/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000063997 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-03-12): Received, Clearing.<br>Buyer Comment (2025-03-12): Comment from XXXX (XXXX): Please see attached final ALTA Settlement Statement from the sale of XXXX. Assets for funds to close and reserves are from the proceeds of this sale. Please clear exception and all waterfalls. | 03/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000063997 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-03-11): Accepted as is. |  |  | 03/11/2025 | 2 B |  | NJ | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000066945 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification is missing for property XXXX |  |  |  | Reviewer Comment (2025-04-11): Acceptable taxes received for this property. Information entered, exception cleared<br>Seller Comment (2025-04-10): Comment from XXXX (XXXX): Please see attached | 04/11/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000066945 | XXXXXXX |  | XXXXXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Hello - Please correct the PITIA for XXXX. The LAS reflects that the $XXXX in monthly taxes is being included twice in the DTI now. There isn't $XXXX in "Primary Other Payments". Thank you. <br>The PITIA is only $XXXX as listed on the 1008. <br> $XXXXP&I<br> $XXXX HOI<br> $XXXX Taxes. | 04/24/2025 |  |  | 1 A |  | IL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000064459 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Need sufficient cure amount for ten percent fee |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000064459 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Need sufficient cure amount for credit report fee |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000064459 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-12): Accepted as is. |  |  | 03/12/2025 | 2 B |  | WA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000063613 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000063613 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | 03/12/2025 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000063655 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Lender exception approved to allow DSCR calculated based on short term rental comps. Compensating factors are DSCR > 1.4, FICO of XXXX and XXXXmonths of reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | SitusAMC | Reviewer Comment (2025-03-13): Client elected to waive/regrade with compensating factors. Lender exception provided. |  |  | 03/13/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXXXXX | 4000066095 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file was missing a copy of the articles of organization document. |  |  |  | Reviewer Comment (2025-03-13): Received, Clearing.<br>Seller Comment (2025-03-13): Comment from XXXX (XXXX): Hellol, please see attached | 03/13/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000066095 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file was missing a copy of the operating agreement document. |  |  |  | Reviewer Comment (2025-03-13): Received, Clearing.<br>Seller Comment (2025-03-13): Comment from XXXX (XXXX): Please see attached | 03/13/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000063427 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is missing. |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX): LI XXXX Please See attached Signed Spousal Consent | 04/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000063427 | XXXXXXX |  | XXXXXXX |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is missing and is required by statute. |  |  |  | Reviewer Comment (2025-04-09): Received, Clearing.<br>Reviewer Comment (2025-03-14): State statute requires Spousal Consent.<br>Buyer Comment (2025-03-14): Comment from XXXX (XXXX):XXXX: The borrower is on title by himself and the only borrower on the loan. Spousal consent is not required. | 04/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000069664 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-04-02): Received, Clearing.<br>Seller Comment (2025-04-02): Comment fromXXXX (XXXX): attached<br>Reviewer Comment (2025-03-31): Certificate of Good Standing for the business entity XXXX is not received. Exception remains.<br>Seller Comment (2025-03-31): Comment fromXXXX XXXX): cert of good standing<br>Reviewer Comment (2025-03-26): Certificate of Good Standing for the business entity XXXX is not received. Exception remains.<br>Seller Comment (2025-03-25): Comment from XXXX(XXXX): PPdocs | 04/02/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000067909 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation for Secondary appraisal XXXX |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000067909 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000067909 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower listed as a XXXXon Final 1003, however, Permanent Resident Card was provided for Borrower. Please verify. |  |  |  | Reviewer Comment (2025-03-14): Received, Clearing.<br>Seller Comment (2025-03-14): Comment from XXXX (XXXX): borrower is permanent resident, updated final 1003 attached | 03/14/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000067296 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | ECOA Appraisal Provided Before Completion |  |  |  | Reviewer Comment (2025-03-14): Accepted as is. |  |  | 03/14/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-24): Received Title Evidence.Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX(XXXX): Please see attached | 04/24/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure was provided |  |  |  | Reviewer Comment (2025-04-28): XXXX Received Supporting comments on the exception for reduced lender credit.<br>Buyer Comment (2025-04-25): Comment from XXXX (XXXX): Loan was locked on XXXX with lender credit $XXXX after that on XXXX lender credit decreased to $XXXX due to interest rate change from XXXX% to XXXX%. It was valid change, hence, no cure is required. | 04/28/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure was provided |  |  |  | Reviewer Comment (2025-04-28): XXXX Received Supporting comments on the exception for increased discount point fee.<br>Buyer Comment (2025-04-25): Comment from XXXX (XXXX): Loan was locked on XXXX with discount points $XXXX after that on XXXX points were increased to $XXXX due to interest rate change from XXXX% toXXXX%, and again point were increased on XXXX to $XXXX due to interest rate change to XXXX%. All changes are valid, hence, no cure is required. | 04/28/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator loan designation of NonQM does not match due diligence loan designation of ATR fail. |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing. | 04/24/2025 |  |  | 1 B A C |  | PA | Second Home | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (XXXX): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Unable to verify S-corp due to missing third party verification. |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-23): Comment from XXXX(XXXX): Please see attached | 04/24/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | ATR not satisfied due to missing third party verification of employment. |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing. | 04/24/2025 |  |  | 1 A |  | PA | Second Home | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000065108 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to funds. |  |  |  | Reviewer Comment (2025-04-25): Evidence of Access to Funds is not required business asset is not used for qualification. Exception cleared.<br>Buyer Comment (2025-04-24): Comment from XXXX(XXXX): Please clarify what business account you are referring to? If this is for the earnest money this was backed out of the borrowers personal ally account when the du was run<br>Reviewer Comment (2025-04-24): Please advise what was provided that shows evidence of access to funds in the business account.<br>Seller Comment (2025-04-23): Comment fromXXXX (XXXX): Please see attached | 04/25/2025 |  |  | 1 C A |  | PA | Second Home | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000067057 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Legal Description. Exception cleared.<br>Seller Comment (2025-03-21): Comment from XXXX (XXXX): XXXX RF please see attached please clear thank you | 03/24/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000065866 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing an operating agreement for the borrowing entity. |  |  |  | Reviewer Comment (2025-03-20): Received Operating Agreement for XXXX Exception cleared.<br>Seller Comment (2025-03-20): Comment from XXXX (Loan Lock - XXXX): Please see attached | 03/20/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000065866 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Please provide updated policy for subject policy. |  |  |  | Reviewer Comment (2025-03-19): Accepted as is. |  |  | 03/19/2025 | 2 B |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000065866 | XXXXXXX |  | XXXXXXX |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Missing a spousal consent form for each guarantors non-borrowing spouse. |  |  |  | Reviewer Comment (2025-03-31): Received, Clearing.<br>Seller Comment (2025-03-31): Comment fromXXXX (Loan Lock - XXXX): Spousal Consent | 03/31/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000065866 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Missing Document: Employment Income Documentation not provided |  | Missing a document verifying the Employer Identification Number for the borrowing entity. |  |  |  | Reviewer Comment (2025-03-20): Received Employer Identification Number forXXXX. Exception cleared.<br>Seller Comment (2025-03-20): Comment from XXXX (Loan Lock - XXXX): Please see attached | 03/20/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000066183 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-03-19): Accepted as is. |  |  | 03/19/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000066183 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing copy of Insurance verification, Statement and Tax Verification. |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX): Cd from closing | 04/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000066007 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR below XXXXand XXXX open tradelines but only XXXX overXXXX2 months. Lender exception approved. Comp factors FICOXXXX, XXXX months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-19): Lender elects to waive/regrade with compensating factors. |  |  | 03/19/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000067299 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-20): Accepted as is. |  |  | 03/20/2025 | 2 B |  | CO | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000067405 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-03-20): Accepted as is. |  |  | 03/20/2025 | 2 B |  | CA | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXX | 4000069589 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | State Compliance | State Late Charge | California Non Primary Residence Late Charge Grace Period Testing | California Late Charge: Note grace period of XXXXdays is less than the state minimum of XXXXdays. | Note grace period of XXXX days is less than the state minimum of XXXX days. |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000069589 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). |  |  |  | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000069589 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The valuation selected as "Use for LTV" was obtained post-close. Sec ID: 25 |  |  |  |  |  | Reviewer Comment (2025-03-24): Appraisal received from origination<br>Seller Comment (2025-03-21): Comment from XXXX (XXXX: Hello, please see attached for the Original Appraisal Report, thank you. | 03/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000069589 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  |  |  |  |  | Reviewer Comment (2025-03-24): Cleared with PCCD<br>Seller Comment (2025-03-21): Comment fromXXXX (XXXX): Hello, please see the attached PCCD and final closing statement that shows that we have verified sufficient funds via reviewing the verified cash to close amount required. | 03/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000069589 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal not provided within XXXXbusiness days of closing. |  |  |  | Reviewer Comment (2025-03-25): Accepted as is.<br>Seller Comment (2025-03-24): Comment from XXXX (XXXX): Hello, I believe we already uploaded the Original Appraisal and this condition was cleared. Please see attached, thank you. |  |  | 03/25/2025 | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000068528 | XXXXXXX |  | XXXXXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-03-23): Received Title Commitment. Exception cleared.<br>Seller Comment (2025-03-21): Comment from XXXX XXXX): Title commitment attached | 03/23/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000068528 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-03-23): Received Title Commitment. Exception cleared.<br>Seller Comment (2025-03-21): Comment from XXXX (XXXX): Ttile Commitment attached | 03/23/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000068528 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The articles of formation were not provided for XXXX |  |  |  | Reviewer Comment (2025-03-23): Received Articles of Formation. Exception cleared.<br>Seller Comment (2025-03-21): Comment from XXXX (XXXX): State Formation attached | 03/23/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000066055 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Certification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Please provide valid COC or cure document for fee $XXXX |  |  |  | Reviewer Comment (2025-04-17): XXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-16): Comment from XXXX (XXXX): XXXX Please see the attached Letter of Explanation, Refund Check, PCCD, and Proof of Delivery. |  | 04/17/2025 |  | 2 C B |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000066055 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-03-21): Accepted as is per client. |  |  | 03/21/2025 | 2 B |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000063701 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-24): Waived per client request |  |  | 03/24/2025 | 2 B |  | WI | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXX | 4000063701 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-24): Sufficient Cure Provided At Closing |  | 03/24/2025 |  | 1 A |  | WI | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXXXXX | 4000063701 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-24): Sufficient Cure Provided At Closing |  | 03/24/2025 |  | 1 A |  | WI | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXXXXX | 4000069390 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Notice of Special Flood Hazard Disclosure is missing. |  |  |  | Reviewer Comment (2025-03-24): Waived per client request |  |  | 03/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069390 | XXXXXXX |  | XXXXXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-03-24): Received E-Sign Consent Agreement. Exception cleared.<br>Seller Comment (2025-03-24): Comment from XXXX (XXXX): Econsent and cert of completion | 03/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069390 | XXXXXXX |  | XXXXXXX |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower has owned the subject property for at least XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-25): Client exception received.<br>Reviewer Comment (2025-03-25): Nothing in the guidelines classify rural by acres.<br>Buyer Comment (2025-03-24): Comment from XXXX (XXXX): Rural with XXXX over is not permitted. subject has only XXXX. Please clear. |  |  | 03/25/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069390 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-24): Sufficient Cure Provided At Closing |  | 03/24/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000067043 | XXXXXXX |  | XXXXXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date, Hazard Insurance Policy Effective DateXXXX, Disbursement Date: XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-08): LOE of no claims or damage received.<br>Seller Comment (2025-04-08): Comment from XXXX (XXXX): Borrower LOE<br>Reviewer Comment (2025-04-03): Wet state so we need ins updated or LOE of no claims or damage between note date and effective date.<br>Buyer Comment (2025-04-03): Comment from XXXX (XXXX): The buyers live in XXXX, signed in XXXXand the property is in XXXX, the package was a mail away.<br>Reviewer Comment (2025-04-02): Wet state so ins would be needed from note signing date ofXXXX.<br>Seller Comment (2025-04-02): Comment from XXXX(XXXX: disbursement sheet showing disbursement date ofXXXX uploaded. |  |  | 04/08/2025 | 2 C B |  | NC | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000068917 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-24): Client elects to waive<br>Seller Comment (2025-03-24): Comment from XXXX (XXXX): Appraisal was sent to bwr on same as lender received it from appraiser |  |  | 03/24/2025 | 2 B |  | VT | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000068917 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-03-27): Received CDA. Exception cleared.<br>Seller Comment (2025-03-27): Comment from XXXX (XXXX): CDA | 03/27/2025 |  |  | 1 D A |  | VT | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000067221 | XXXXXXX |  | XXXXXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the Note Date. Wet State. |  |  |  | Reviewer Comment (2025-03-26): Received, Clearing.<br>Seller Comment (2025-03-26): Comment from XXXX (XXXX): See attached<br>Reviewer Comment (2025-03-26): We need policy updated or a LOE of no claims filed or damage between note date and effective date.<br>Buyer Comment (2025-03-25): Comment from XXXX (XXXX): This was a mail away transaction and the file didn't disburse until XXXX please also see the interest collected on the final settlement statemen shows XXXX. Please escalate this.<br>Reviewer Comment (2025-03-25): In a wet state coverage would be from note date.<br>Seller Comment (2025-03-25): Comment from XXXX (XXXX): Please see final settlement statement shows disbursement shows XXXX | 03/26/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000067731 | XXXXXXX |  | XXXXXXX |  | 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. | The appraisal was not provided to the borrower within XXXX days of consummation. |  |  |  | Reviewer Comment (2025-03-25): Accepted as is. |  |  | 03/25/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000067731 | XXXXXXX |  | XXXXXXX |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. One valuation was provided, with no CU or LCA. Sec ID: XXXX |  |  |  | Reviewer Comment (2025-03-25): Accepted as is. |  |  | 03/25/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000066725 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure was provided |  |  |  | Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing |  | 03/25/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000061621 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Provide Secondary valuation or UCDP report with CU less than XXXX. |  |  |  | Reviewer Comment (2025-03-26): Received CDA. Exception cleared.<br>Seller Comment (2025-03-25): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX | 03/26/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000061621 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval/1008 is missing in file. |  |  |  | Reviewer Comment (2025-03-26): Received 1008. Exception cleared.<br>Seller Comment (2025-03-25): Comment from XXXX (XXXX): 1008 uploaded | 03/26/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000064686 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-03-27): Accepted as is. |  |  | 03/27/2025 | 2 B |  | IN | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXX | 4000064686 | XXXXXXX |  | XXXXXXX |  | 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. |  |  |  |  | Reviewer Comment (2025-03-27): Accepted as is. |  |  | 03/27/2025 | 2 B |  | IN | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXX | 4000064475 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under XXXX. | The Qualification Method used by the lender does not match the ATR payment calculation methods under XXXX. |  |  |  | Reviewer Comment (2025-03-27): Accepted as is. |  |  | 03/27/2025 | 2 B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000064475 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXXwas electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2025-04-16): XXXX received e-consent dated XXXX<br>Seller Comment (2025-04-15): Comment from XXXX(XXXX): ESign summary uploaded | 04/16/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000064475 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is short $XXXX. |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Seller Comment (2025-04-15): Comment from XXXX (XXXX): Insurance coverage documents uploaded | 04/15/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000067533 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-28): Accepted as is. |  |  | 03/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000068194 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Missing Closing Statement/CD for the sale of property at XXXX |  |  |  | Reviewer Comment (2025-03-31): Received Closing Statement for the sale of property at XXXX. Exception cleared.<br>Seller Comment (2025-03-31): Comment from XXXX (XXXX): XXXX XXXX : Please see attached document | 03/31/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000068194 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-03-28): Accepted as is. |  |  | 03/28/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000065914 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is Incomplete |  |  |  | Reviewer Comment (2025-03-28): Received, Clearing.<br>Seller Comment (2025-03-28): Comment from XXXX(XXXX): XXXXRF please see attached please clear thank you | 03/28/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000066415 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX. | SitusAMC | Reviewer Comment (2025-03-31): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 03/31/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000066415 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-03-31): Accepted as is. |  |  | 03/31/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000068823 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-02): XXXX received initial CD.<br>Seller Comment (2025-04-01): Comment from XXXX (XXXX): XXXX: Please see the attached CD | 04/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXXXXX | 4000069764 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-03-31): Accepted as is. |  |  | 03/31/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069764 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. |  |  |  |  | Reviewer Comment (2025-04-21): Per final CD, documents signed XXXX<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): XXXX The Closing date was XXXX Please see the attached Security instrument which shows all closing docs were signed and notarized on XXXX | 04/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000069764 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2025-04-21): Per final CD, documents signed XXXX | 04/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000065809 | XXXXXXX |  | XXXXXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Note address discloses the subject City Name as XXXX while the Desk Review uses a City Name as XXXX. Correct determination of the City Name and updated documentation is required. |  |  |  | Reviewer Comment (2025-04-02): Received, Clearing.<br>Seller Comment (2025-04-01): Comment from XXXX (XXXX): XXXX tm: Both XXXX and XXXX are an acceptable city name for zip code XXXX . The city name can be used interchangeably per USPS zip code search. | 04/02/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000067246 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing evidence of receipt of the $XXXX donor check. |  |  |  | Reviewer Comment (2025-04-02): Received Bank statement confirms that the gift funds transferred from #XXXX XXXX statement. Hence exception cleared.<br>Seller Comment (2025-04-01): Comment from XXXX (XXXX): Gift letter did not state a check will be given. Find attached the borrowers statement showing the receipt of the transfer of the gift funds and Donor statement showing the source of the funds | 04/02/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000066993 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount not mentioned in title commitment. |  |  |  | Reviewer Comment (2025-03-31): Accepted as is. |  |  | 03/31/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000069950 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-03-31): Accepted as is. |  |  | 03/31/2025 | 2 B |  | MA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXXXXX | 4000067487 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of Tax Verification |  |  |  | Reviewer Comment (2025-04-02): Received, Clearing.<br>Seller Comment (2025-04-02): Comment from XXXX(XXXX): Tax cert for XXXX XXXX | 04/02/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXXXXX | 4000070328 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The appraisal was not provided to each valuation within XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-04-01): Accepted as is. |  |  | 04/01/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000070592 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than Note loan amount. Please provide final policy with coverage equal to Note loan amount. |  |  |  | Reviewer Comment (2025-04-01): Accepted as is. |  |  | 04/01/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXXXXX | 4000069979 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount |  |  |  | Reviewer Comment (2025-04-01): Accepted as is. |  |  | 04/01/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXXXXX | 4000062318 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-01): Sufficient Cure Provided At Closing |  | 04/01/2025 |  | 1 A |  | FL | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070892 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-02): Accepted as is.<br>Seller Comment (2025-04-02): Comment from XXXX (XXXX.): see attached |  |  | 04/02/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070892 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-04-02): Receipt doc provided. Cleared.<br>Buyer Comment (2025-04-02): Comment from XXXX (XXXX.): please see provided appraisal acknowledgement | 04/02/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070892 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-02): Receipt doc provided. Cleared.<br>Buyer Comment (2025-04-02): Comment from XXXX (XXXX.): please see provided appraisal acknowledgement | 04/02/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070892 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-04-02): Accepted as is per client. |  |  | 04/02/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069642 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX |  |  |  | Reviewer Comment (2025-04-04): Received, Clearing.<br>Seller Comment (2025-04-04): Comment from XXXX (XXXX): The State of FL does not allow RCEs to be provided. Please see written confirmation from agent that policy is written to XXXX % replacement cost. | 04/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000070644 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not provided on the title preliminary document. |  |  |  | Reviewer Comment (2025-04-02): Accepted as is. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXXXXX | 4000070099 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-04-03): Accepted as is. |  |  | 04/03/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070099 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070099 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  | Missing the Legal Description document. |  |  |  | Reviewer Comment (2025-04-07): Received Legal Description. Exception cleared.<br>Seller Comment (2025-04-07): Comment from XXXX (XXXX): XXXX: Please see the attached Legal Description | 04/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069409 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXXbased on the Commitment in file. |  |  |  | Reviewer Comment (2025-04-03): Accepted as is. |  |  | 04/03/2025 | 2 B |  | NV | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Reviewer Comment (2025-04-03): Accepted as is. |  |  | 04/03/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure Provided in File |  |  |  | Reviewer Comment (2025-04-11): XXXX received a valid COC.<br>Seller Comment (2025-04-10): Comment from XXXX (XXXX): XXXX Assets and liabilities were updated by underwriting on XXXX which Increased the DTI to XXXX% from XXXX% which added a loan level pricing adjusters "Bank Statement Orange- C/O Refi: LTV XXXX%". A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure Provided in File |  |  |  | Reviewer Comment (2025-04-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-04-10): Comment from XXXX (XXXX): XXXX Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-04-30): Received, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2025-04-30): Comment from XXXX (XXXX): LL XXXXPlease see the attached LOX, Right to Cancel, Closing Disclosure, and Proof of Delivery. |  | 04/30/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | 3 mos < 6 mos required | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-03): Client elected to waive/regrade with compensating factors. Lender exception provided. |  |  | 04/03/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070202 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000060201 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Incomplete Rider - 1-4 Family was provided in file. |  |  |  | Reviewer Comment (2025-04-04): Received Rider - 1-4 Family. Exception cleared.<br>Seller Comment (2025-04-04): Comment from XXXX (XXXX): XXXX CW: See attached rider | 04/04/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A | N/A | N/A | No |
| XXXXXXX | 4000070271 | XXXXXXX |  | XXXXXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing. | 04/22/2025 |  |  | 1 A |  | HI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000070271 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title Commitment or Preliminary title policy amount is blank |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): please see attached doc XXXX | 04/22/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000069530 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for XXXX, a XXXX is missing in file. |  |  |  | Reviewer Comment (2025-04-09): Received Operating Agreement. Exception cleared.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX): Operating Agreement | 04/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000069530 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) for XXXX , a XXXX is missing in file. |  |  |  | Reviewer Comment (2025-04-09): Received Employer Identification Number. Exception cleared.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX): EIN | 04/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000069530 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for XXXX, a XXXX is missing in file. |  |  |  | Reviewer Comment (2025-04-09): Received Certificate of Good Standing. Exception cleared.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX.): Cert of Good Standing | 04/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000069530 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation for XXXX, a XXXXy is missing in file. |  |  |  | Reviewer Comment (2025-04-09): Received Articles of Organization. Exception cleared.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX): AO | 04/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000069530 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  |  |  | Reviewer Comment (2025-04-09): Received Corporate Resolution. Exception cleared.<br>Seller Comment (2025-04-09): Comment from XXXX (XXXX): XXXX | 04/09/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000068831 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-07): Accepted as is. |  |  | 04/07/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068831 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-08): Received, Clearing.<br>Buyer Comment (2025-04-07): Comment from XXXX (XXXX): We will provide the final title policy at time of trailing docs so please waive this condition | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068831 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-08): Accepted as is. |  |  | 04/08/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070917 | XXXXXXX |  | XXXXXXX |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | A valid COC for appraisal fee increase was not provided. |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | 04/08/2025 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070917 | XXXXXXX |  | XXXXXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-04-08): Received E-sign Consent Agreement. Exception cleared.<br>Seller Comment (2025-04-08): Comment fromXXXX (XXXX): esign consent | 04/08/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000068230 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account disclosure amount is $XXXX while the sum of escrow fees on the final HUD reflects $XXXX. |  |  |  | Reviewer Comment (2025-04-08): Accepted as is. |  |  | 04/08/2025 | 2 B |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000069355 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit report is good for 90 days per OB guidelines | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-18): Client exception provided.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): exception<br>Reviewer Comment (2025-04-16): Post-close credit report won't clear issue. Need an exception from the buyer.<br>Seller Comment (2025-04-16): Comment from XXXX (XXXX): Soft Pull<br>Reviewer Comment (2025-04-14): Received Lender Exception Form confirms that the exception is conditioned approved. Please provide Lender Exception Form confirming that the exception is Approved. Exception remains.<br>Seller Comment (2025-04-11): Comment from XXXX(XXXX): Exception approval. Will upload credit ASAP |  |  | 04/18/2025 | 2 C B |  | NC | Investment | Purchase | C B A |  | N/A | No |
| XXXXXXX | 4000068533 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-04-08): Accepted as is. |  |  | 04/08/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXX | 4000070768 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-08): Accepted as is. |  |  | 04/08/2025 | 2 B |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000070768 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing copy of Mortgage Statement . |  |  |  | Reviewer Comment (2025-04-08): Received Closing Disclosure for property XXXX reflects that the taxes and insurance are escrowed. Exception cleared.<br>Seller Comment (2025-04-08): Comment from XXXX (XXXX): XXXXCD | 04/08/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| XXXXXXX | 4000069527 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXXexceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Lender Credits increased to $XXXX. No cure provided. |  |  |  | Reviewer Comment (2025-04-22): XXXXreceived Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): attached<br>Reviewer Comment (2025-04-15): XXXXreceived COC dated XXXX, however loan amount decrease % was not proportionate to the % of lender credit decrease. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional supporting document to verify the pricing changed due to LTV change or cure is required.<br>Buyer Comment (2025-04-11): Comment from XXXX (XXXX): What are you seeing that is inaccurate? The borrower requested the loan amount change and the lender credit was lowered when it was, what is making the lender credit we provided unacceptable?<br>Reviewer Comment (2025-04-09): XXXX received CD and COC datedXXXX, however the lender credit decrease was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-04-08): Comment from XXXX (XXXX): attached |  | 04/22/2025 |  | 2 C B |  | MA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000067295 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to the business funds for account ending in #XXXX. |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>Seller Comment (2025-04-30): Comment from XXXX (XXXX): Please see the attached for the Shareholder/Bill of Sale documentation confirming the clients is XXXX% owner of XXXX along with the access to funds letter from the other XXXX% owner, XXXX.<br>Reviewer Comment (2025-04-15): Without evidence of access and the confirmation that the use won't do harm to the business the funds cannot be used.<br>Buyer Comment (2025-04-15): Comment from XXXX (XXXX): The funds being withdrawn and used for FTC/reserves are not from the clients qualifying business income (XXXX). A CPA letter or cashflow analysis from a non-income qualifying company is inapplicable and not required by guidelines in this scenario. All asset guidelines have been satisfied to clear this issue.<br>Reviewer Comment (2025-04-11): A signed letter from a CPA or Underwriter Cash Flow Analysis must also be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. Exception remains.<br>Buyer Comment (2025-04-11): Comment from XXXX (XXXX): The guidelines provided clearly state if the borrower is not XXXX% owner or listed on the business account, obtain a signed and dated letter from the financial institution verifying the borrower is a signer. As previously stated, the documentation has been provided in the loan images (541/3216). Reviewer to cite the source of the referenced guideline or clear the exception.<br>Reviewer Comment (2025-04-10): Exception remains, evidence of access to funds is required reflecting borrower has XXXX% access and is XXXX% ownership<br>Seller Comment (2025-04-10): Comment from XXXX (XXXX): Per the attached internal guidelines, there is no such requirement. Please review and clear.<br>Reviewer Comment (2025-04-09): A signed letter from a CPA or Underwriter Cash Flow Analysis must also be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business for XXXX. XXXX Statements.<br>Buyer Comment (2025-04-09): Comment fromXXXX (XXXX): Client is XXXX% owner XXXX and we provided a Deposit account summary balance which is stamped by XXXX and in your loan file on page 541 (XXXX). This verifies the client is a signer on the this account and as such has access to the funds and no access letter is required.<br>Buyer Comment (2025-04-09): Comment from XXXX (XXXX): We provided a Deposit account summary balance which is stamped by XXXX and in your loan file on page 541 (D0352). This verifies the client is a signer on the this account and as such has access to the funds. | 04/30/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000067295 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to business funds ending in #XXXX. |  |  |  | Reviewer Comment (2025-04-10): Borrower is XXXX% owner of the business. CPA letter is N/A<br>Buyer Comment (2025-04-10): Comment from XXXX (XXXX): Per the attached internal guidelines, there is no such requirement. Please review and clear.<br>Reviewer Comment (2025-04-09): A signed letter from a CPA or Underwriter Cash Flow Analysis must also be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business for XXXX. XXXX Statements.<br>Buyer Comment (2025-04-09): Comment from XXXX (XXXX): Client is XXXX% owner of XXXX DBA XXXX, please review the XXXX MBS record in your loan file on pages 530 -538 (D0374). | 04/10/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000069097 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The valuation selected as "Use for LTV" was obtained post-close. Sec ID: 25 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-04-14): Clearing.<br>Seller Comment (2025-04-14): Comment from XXXX XXXX): Can I ask you to please be more specific and give me some detail? The loan closed XXXX. The appraisal effective date is dated XXXX and the signature date isXXXX before the funding date. I have included the 1st iteration of the appraisal in case that is what should have been requested.<br>Reviewer Comment (2025-04-10): Effective date of appraisal provided is XXXX. Exception remains.<br>Buyer Comment (2025-04-10): Comment from XXXX (XXXX): Appraisal is datedXXXX prior to closing. | 04/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069097 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-14): Accepted as is. |  |  | 04/14/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070305 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is missing for REO property "XXXX" |  |  |  | Reviewer Comment (2025-04-13): Received Note and First Payment letter for property XXXX reflects that the taxes and insurance are escrowed. Exception cleared.<br>Seller Comment (2025-04-11): Comment from XXXX (XXXX): NOTE PAYMENT LETTER NEW LOAN | 04/13/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A | N/A | N/A | No |
| XXXXXXX | 4000071556 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing. Sec ID:XXXX |  |  |  | Reviewer Comment (2025-04-28): Received, Clearing.<br>Seller Comment (2025-04-28): Comment from XXXX (XXXX): CDA | 04/28/2025 |  |  | 1 D A |  | TN | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXX | 4000071556 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-10): Accepted as is. |  |  | 04/10/2025 | 2 B |  | TN | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXX | 4000071556 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The policy in file does not indicate the premium amount, we need the policy including the premium amount. |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): Hazard with premium | 04/22/2025 |  |  | 1 C A |  | TN | Second Home | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXXXXX | 4000071789 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-10): Client elects to waive |  |  | 04/10/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000068066 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing a copy of Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2025-04-16): Received, Clearing.<br>Seller Comment (2025-04-16): Comment from XXXX (XXXX): EIN. I already provided the EIN. I have highlighted it if you missed it.<br>Reviewer Comment (2025-04-15): Borrower is a business entity. Hence Employer Identification Number (EIN) is required as per XXXX- XXXX guidelines. Please provide Employer Identification Number (EIN) for XXXX Exception remains.<br>Seller Comment (2025-04-14): Comment from XXXX (XXXX): EIN | 04/16/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000068066 | XXXXXXX |  | XXXXXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date XXXX, Note date XXXX. Wet state. |  |  |  | Reviewer Comment (2025-04-15): Received prior Hazard Insurance Policy. Exception cleared.<br>Seller Comment (2025-04-14): Comment from XXXX(XXXX): Uploaded is the prior period HOI. It was not yet updated with our details. Second attachment is a policy change confirmation identifying the update to our mortgage clause and also adding the LLC as an additional insured. You'll see that this adjustment covered XXXX through XXXX. We then have the renewal policy from XXXX - XXXX with all necessary details. Also, Per the signed final settlement statement the loan did not fund until XXXX which is the disbursement date. | 04/15/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000068833 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report missing |  |  |  | Reviewer Comment (2025-04-15): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-14): Comment from XXXX (XXXX): Clear Report | 04/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000068833 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing |  |  |  | Reviewer Comment (2025-04-15): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-14): Comment from XXXX (XXXX): Clear report | 04/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000068833 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000068833 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000071000 | XXXXXXX |  | XXXXXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of Title Evidence. |  |  |  | Reviewer Comment (2025-04-15): Received, Clearing.<br>Seller Comment (2025-04-15): Comment from XXXX (XXXX): XXXX: Please see the attachment. | 04/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071000 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-15): Accepted as is. |  |  | 04/15/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071000 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-04-16): Accepted as is. |  |  | 04/16/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000069257 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing earnest money source and receipt in the amount of $XXXX |  |  |  | Reviewer Comment (2025-04-14): Received closing statement from REO cash out used for down payment on subject property<br>Seller Comment (2025-04-14): Comment from XXXX (XXXX): XXXX - XXXX: Please see attached. The REO located at XXXX was refinanced, and the proceeds from the refinance were held in a 1031 Exchange. The funds held in the 1031 exchange totaling $XXXXwas divided in half, and used purchase the subject property and XXXX via loan #XXXX. | 04/14/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000069257 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing earnest money source and receipt in the amount of $XXXX |  |  |  | Reviewer Comment (2025-04-14): Received closing statement from REO cash out used for down payment on subject property<br>Seller Comment (2025-04-14): Comment fromXXXX (XXXX): XXXX - XXXX: Please see attached. The REO located at XXXX was refinanced, and the proceeds from the refinance were held in a 1031 Exchange. The funds held in the 1031 exchange totaling $XXXXwas divided in half, and used purchase the subject property and XXXX via loan #XXXX. | 04/14/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000070097 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided |  |  |  | Reviewer Comment (2025-04-14): Client elects to waive |  |  | 04/14/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000072085 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>Seller Comment (2025-04-30): Comment from XXXX (XXXX): CDA<br>Reviewer Comment (2025-04-18): Secondary valuation is required for securitization.<br>Buyer Comment (2025-04-18): Comment from XXXX (XXXX.): Full appraisal provided, no secondary valuation required. | 04/30/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
| XXXXXXX | 4000069725 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-15): Accepted as is. |  |  | 04/15/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069725 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Insufficient asset to cover closing. |  |  |  | Reviewer Comment (2025-04-16): Received, Clearing.<br>Seller Comment (2025-04-16): Comment from XXXX (XXXX): Please see attached, final seller's statement from the sale of a non-sub property. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069725 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Insufficient asset to cover reserve |  |  |  | Reviewer Comment (2025-04-16): Received, Clearing.<br>Buyer Comment (2025-04-16): Comment from XXXX XXXX): Please see attached, final seller's statement from the sale of a non-sub property. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070846 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070846 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Currently listed or signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (XXXX) days of closing on subject transaction, as required per guidelines. |  |  |  | Reviewer Comment (2025-04-17): Received Letter of Explanation confirms the property will be listed for sale by XXXX. Exception cleared.<br>Seller Comment (2025-04-16): Comment from XXXX (XXXX): LOX | 04/17/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000071858 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount |  |  |  | Reviewer Comment (2025-04-16): Accepted as is. |  |  | 04/16/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-17): Accepted as is. |  |  | 04/17/2025 | 2 B |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Per 1003 $XXXX used for cash to close requirement; however, we do not have any supporting document to verify the assets. We have only borrower bank statement which shows withdrawal of $XXXX on XXXX. |  |  |  | Reviewer Comment (2025-04-21): Received Letter of Explanation confirms the $XXXXis Escrow Deposit hence included in assets. Available for Closing is sufficient to cover Cash From Borrower. Exception cleared.<br>Seller Comment (2025-04-19): Comment from XXXX XXXX): Please refer to Escrow's email. The $XXXXwas intended for closing this transaction. The borrower sent the funds in advance, prior to clear to close, via a cashier's check.<br>Reviewer Comment (2025-04-18): Received bank statement confirms the $XXXXis deducting from borrower account. However required additional assets to meet reserves and cash from borrower. Exception remains.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): Please see attached | 04/21/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Per 1003 $XXXX used for cash to close requirement; however, we do not have any supporting document to verify the assets. We have only borrower bank statement which shows withdrawal of $XXXXon XXXX. |  |  |  | Reviewer Comment (2025-04-21): Received Letter of Explanation confirms the $XXXX is Escrow Deposit included in assets. Available for reserves is sufficient to meet guideline reserves requirement. Exception cleared.<br>Seller Comment (2025-04-19): Comment from XXXX (XXXX): Please refer to Escrow's email. The $XXXXwas intended for closing this transaction. The borrower sent the funds in advance, prior to clear to close, via a cashier's check.<br>Reviewer Comment (2025-04-18): Received bank statement confirms the $XXXXis deducting from borrower account. However required additional assets to meet reserves and cash from borrower. Exception remains.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): Please see attached | 04/21/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-04-21): Received evidence of $XXXXdeposit | 04/21/2025 |  |  | 1 B A C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-04-21): Received evidence of $XXXXdeposit | 04/21/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The final 1003 states there was $XXXX and we have the cashier's check but are unable to determine if that is for this transaction. |  |  |  | Reviewer Comment (2025-04-21): Received evidence of $XXXXdeposit<br>Seller Comment (2025-04-19): Comment from XXXX (XXXX): Please refer to Escrow's email. The $XXXXwas intended for closing this transaction. The borrower sent the funds in advance, prior to clear to close, via a cashier's check.<br>Reviewer Comment (2025-04-18): Received bank statement confirms the $XXXXis deducting from borrower account. However required additional assets to meet reserves and cash from borrower. Exception remains.<br>Seller Comment (2025-04-18): Comment from XXXX(XXXX): Please see attached | 04/21/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072342 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The final 1003 states there was $XXXX and we have the cashier's check but are unable to determine if that is for this transaction. |  |  |  | Reviewer Comment (2025-04-21): Received Letter of Explanation confirms the $XXXXis Escrow deposit. Exception cleared.<br>Seller Comment (2025-04-19): Comment from XXXX (XXXX): Please refer to Escrow's email. The $XXXXwas intended for closing this transaction. The borrower sent the funds in advance, prior to clear to close, via a cashier's check.<br>Reviewer Comment (2025-04-18): Received bank statement confirms the $XXXXis deducting from borrower account. However required additional assets to meet reserves and cash from borrower. Exception remains.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX.): Please see attached | 04/21/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068284 | XXXXXXX |  | XXXXXXX |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2025-04-18): Received, Clearing.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): Policy attached | 04/18/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXXXXX | 4000070840 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-25): Client exception received.<br>Seller Comment (2025-04-25): Comment from XXXX (XXXX): exception approved<br>Reviewer Comment (2025-04-21): Received Third Party Verification Employment is dated XXXX. Please provide VVOE or Third Party Verification Employment dated within 10 business days prior to Note dateXXXXException remains.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): attached<br>Reviewer Comment (2025-04-17): Document provided is not for the borrower's current employer. Exception remains.<br>Seller Comment (2025-04-17): Comment from XXXX (XXXX): attached |  |  | 04/25/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070840 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing currently listed or signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing on subject transaction, as required per guidelines. |  |  |  | Reviewer Comment (2025-04-21): Received Letter of Explanation hence exception cleared.<br>Seller Comment (2025-04-21): Comment from XXXX(XXXX): attached<br>Reviewer Comment (2025-04-17): LOX provided does not contain verbiage required per guidelines. Exception remains.<br>Seller Comment (2025-04-17): Comment from XXXX (XXXX): attached | 04/21/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000073417 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Fraud report uploaded | 04/23/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073417 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX(XXXX): Fraud report uploaded | 04/23/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073417 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-23): Received CDA. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX. | 04/23/2025 |  |  | 1 D A |  | MO | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073417 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-04-23): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Borrower credit report uploaded | 04/23/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000070555 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  | Reviewer Comment (2025-04-21): XXXXReceived Initial Loan estimate.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): ILE | 04/21/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070555 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within XXXX days of the loan application date. |  |  |  | Reviewer Comment (2025-04-17): Accepted as is. |  |  | 04/17/2025 | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070555 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure provided in File |  |  |  | Reviewer Comment (2025-04-28): XXXXreceived Letter of Explanation Corrected CD reconciled with ALTA final SS.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX): Attached<br>Reviewer Comment (2025-04-22): XXXX received rebuttal, however we require corrected PCCD updating cure amount on inner column of sec J where cure is provided. Please provide corrected PCCD and LOE.<br>Buyer Comment (2025-04-21): Comment from XXXX(XXXX): Lender credit is in section J at bottom of Page 2, this cures the $XXXXtolerance, borrower received this credit at closing, therefore this credit is in the At Closing column correctly<br>Reviewer Comment (2025-04-21): XXXXFinal CD present in file reflects general lender credit and not Cure. Provide Corrected PCCD and LOE showing Cure under section J inner column.<br>Buyer Comment (2025-04-18): Comment from XXXX (XXXX): There is a lender credit in the amount of $XXXXat the bottom of page 2 of the final CD that clears this |  | 04/28/2025 |  | 2 C B |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000070555 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-04-23): XXXX received eSign Process Summary which included Consent Language on Electronic Records & Signatures Agreement Consent included with Per Loan Consent receipt dated XXXX<br>Seller Comment (2025-04-22): Comment from XXXX XXXX): eConsent completed on XXXX | 04/23/2025 |  |  | 1 A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068874 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing in file. |  |  |  | Reviewer Comment (2025-04-21): Received Hazard Insurance Policy. Exception cleared.<br>Seller Comment (2025-04-21): Comment fromXXXX(XXXX): Hazard insurance, RCE and Rental Loss Coverage. | 04/21/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000073035 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-04-21): Received Fraud Report and LOX for Address. Exception cleared.<br>Seller Comment (2025-04-20): Comment from XXXX XXXX): Fraud report uploaded. Fail for address. Borrower has provided a LOX for address. | 04/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073035 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing for securitization purpose. |  |  |  | Reviewer Comment (2025-04-21): Received CDA. Exception cleared.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX. | 04/21/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073035 | XXXXXXX |  | XXXXXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date of XXXX is post consummation date of XXXX. Wet State |  |  |  | Reviewer Comment (2025-04-21): Received Prior Hazard Policy. Exception cleared.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): Homeowners Insurance showing an effective date of XXXX has been uploaded | 04/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073035 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval/1008 is missing in file. |  |  |  | Reviewer Comment (2025-04-21): Received 1008. Exception cleared.<br>Seller Comment (2025-04-20): Comment fromXXXX (XXXX): 1008 has been uploaded | 04/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | 1003 reflects account ending XXXX has a balance of $XXXX through XXXX however verified $XXXX with statements for the same account through XXXX |  |  |  | Reviewer Comment (2025-04-21): Updated statement provided. Cleared.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): assets | 04/21/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  | Reviewer Comment (2025-04-18): Accepted as is. |  |  | 04/18/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXXcompared to the calculated Amount Financed of $XXXX 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 XXXX). | Processing fee in section H in the amount of $XXXX was not included in amount financed/finance charge calculation at closing |  |  |  | Reviewer Comment (2025-04-28): XXXXreceived LOA<br>Seller Comment (2025-04-28): Comment from XXXX (XXXX): loe<br>Reviewer Comment (2025-04-24): As previously stated: the Section H Processing Fee Misc for $XXXXappears to be the fee in question. As this is a processing fee, it may be a finance charge, but XXXXis unable to determine the purpose and services provided and if related to the extension of credit requirements. Please provide a lender attestation stating the purpose & services this fee provided to confirm not a finance charge.<br>Buyer Comment (2025-04-23): Comment from XXXX (XXXX): this is not a lender charge, is it possible to waive these conditions?<br>Reviewer Comment (2025-04-22): XXXXreceived changed circumstances. However, this would not address a finance charge underedisclosure/ amount financed violation. In reviewing fees, it appears the issue may be related to the Section H Processing Fee Misc for $XXXX. As this is a processing fee, it may be a finance charge, but XXXXis unable to determine the purpose and services provided and if related to the extension of credit requirements. Please provide a lender attestation stating the purpose & services this fee provided to confirm not a finance charge.<br>Seller Comment (2025-04-21): Comment from XXXX (XXXX): cics | 04/28/2025 |  |  | 1 C A |  | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Processing fee in section H in the amount of $XXXX was not included in amount financed/finance charge calculation at closing |  |  |  | Reviewer Comment (2025-04-28): XXXXreceived LOA | 04/28/2025 |  |  | 1 C A |  | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | 1003 reflects account ending XXXX has a balance of $XXXX through XXXX however verified $XXXX with statements for the same account through XXXX |  |  |  | Reviewer Comment (2025-04-21): Updated statement provided. Cleared. | 04/21/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072107 | XXXXXXX |  | XXXXXXX |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | Need most recent copy of bank statements for accounts XXXX and XXXX |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Buyer Comment (2025-04-24): Comment fromXXXX(XXXX): included in the previous asset document, it is the savings account, see the bottom of page 1, and page 3 for the summary of the account.<br>Reviewer Comment (2025-04-23): Still require the most recent bank statement for account XXXX<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): ASSET DOCS | 04/24/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072634 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing in file. |  |  |  | Reviewer Comment (2025-04-21): Received Credit Report. Exception cleared.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX): Please see attached | 04/21/2025 |  |  | 1 D A |  | NV | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000072634 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-04-18): Accepted as is.<br>Seller Comment (2025-04-18): Comment from XXXX (XXXX: Please see attached |  |  | 04/18/2025 | 2 B |  | NV | Investment | Purchase | D B A |  | N/A | No |
| XXXXXXX | 4000070483 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount not provided in title preliminary document. |  |  |  | Reviewer Comment (2025-04-18): Accepted as is. |  |  | 04/18/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| XXXXXXX | 4000068433 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount not mentioned on title preliminary document. |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): Please see the attachment. | 04/22/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000068433 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Legal Description provided. Cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): XXXX: please see attachment.<br>Reviewer Comment (2025-04-22): We need what was sent with the security instrument that was referred to as Schedule A. A Copy of the title commitment will not work.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): Please see the attachment. Its included in the commitment. | 04/23/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000070382 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) |  |  |  | Reviewer Comment (2025-04-21): Waived per client request |  |  | 04/21/2025 | 2 B |  | SC | Investment | Purchase | B A | N/A | N/A | No |
| XXXXXXX | 4000073678 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file was missing a copy of Approval. |  |  |  | Reviewer Comment (2025-04-23): Received 1008. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): 1008 uploaded | 04/23/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073678 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-04-23): Received Fraud Report and LOE for address. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Fraud report uploaded | 04/23/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073678 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX. |  |  |  | Reviewer Comment (2025-04-23): Received CDA. Exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX. | 04/23/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000073278 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXX Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2025-04-22): Accepted as is. |  |  | 04/22/2025 | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| XXXXXXX | 4000073278 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX % + XXXX %, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX % + XXXX %, or XXXX%. Non-Compliant SubPrime Loan |  |  |  | Reviewer Comment (2025-04-22): Accepted as is. |  |  | 04/22/2025 | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| XXXXXXX | 4000073278 | XXXXXXX |  | XXXXXXX |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Effective date of the primary appraisal is XXXX, the desk review effective date is XXXX |  |  |  | Reviewer Comment (2025-04-23): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): An appraisal update was completed in addition to the appraisal. The appraisal effective date used in the CDA report reflects that date of the Appraisal update report. See attached. | 04/23/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072988 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report document is missing from file. |  |  |  | Reviewer Comment (2025-04-22): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): Fraud report uploaded | 04/22/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000072988 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC document is missing from file. |  |  |  | Reviewer Comment (2025-04-22): Received Fraud Report. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): Participant list and OFAC search uploaded | 04/22/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000072988 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing from file required securitization purpose. |  |  |  | Reviewer Comment (2025-04-22): Received CDA. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX. | 04/22/2025 |  |  | 1 D A |  | PA | Investment | Purchase | D A C |  | N/A | No |
| XXXXXXX | 4000074168 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | This is a refinance and the property is vacant with no recent renovations disclosed on the appraisal. Per guidelines this is not eligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-25): Client exception received.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX.): See attached. |  |  | 04/25/2025 | 2 C B |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000067769 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and XXXXis not in images. |  |  |  | Reviewer Comment (2025-04-23): Received 442-Certificate of completion. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX.): 1004D | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000067769 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received Lease Agreement. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX.): lease | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXXXXX | 4000068455 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Restricted Stock Agreement |  |  |  | Reviewer Comment (2025-04-23): Restricted Stock Agreement is not required per Guidelines. Exception cleared.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): XXXX policy does not state the agreement is a required document. Please escalate to clear as is. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068455 | XXXXXXX |  | XXXXXXX |  | 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. |  |  |  |  | Reviewer Comment (2025-04-21): Waived per client request |  |  | 04/21/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068455 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | Reviewer Comment (2025-04-21): Waived per client request |  |  | 04/21/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000068455 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided At Closing |  | 04/21/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000071243 | XXXXXXX |  | XXXXXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): See attached e-consent letter. | 04/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000071243 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Loan Approval or Final 1008 was not provided. |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): See attached 1008. | 04/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXXXXX | 4000071615 | XXXXXXX |  | XXXXXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | File is missing Approval/1008 |  |  |  | Reviewer Comment (2025-04-22): Received, Clearing.<br>Seller Comment (2025-04-22): Comment from XXXX (XXXX): See attached 1008. | 04/22/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000073708 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of Insurance Verification |  |  |  | Reviewer Comment (2025-04-23): Received Insurance verification for above REO property hence exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): EVIDENCE OF PROPERTY INSURANCE | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | N/A | N/A | No |
| XXXXXXX | 4000073708 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | XXXX Bank Statement document is missing in the file |  |  |  | Reviewer Comment (2025-04-23): Received business bank statements for the month of January #XXXXhence exception cleared.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Bank Statement | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | N/A | N/A | No |
| XXXXXXX | 4000073708 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's permanent resident alien card expired XXXX |  |  |  | Reviewer Comment (2025-04-23): Received, Clearing.<br>Seller Comment (2025-04-23): Comment from XXXX (XXXX): Form I-797C | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | N/A | N/A | No |
| XXXXXXX | 4000073240 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000073240 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using personal bank statements to qualify. Lender exception conditionally approved, no deposits or income are double counted and LOE in file. Comp factors: Fico XXXX, DTI XXXX%, residual income over $XXXX per month. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-23): Client elects to waive/regrade with compensating factors. |  |  | 04/23/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000070954 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | "The appraisal was not provided to the borrower within XXXX days of consummation.<br> " |  |  |  | Reviewer Comment (2025-04-23): Accepted as is. |  |  | 04/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070954 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (XXXX) business days from transaction date of XXXX |  |  |  |  | Reviewer Comment (2025-04-30): Received, Clearing.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX.): Please see attached POST CD, it was not provided with closing package. | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXXXXX | 4000072371 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The appraisal was not provided to the borrower within XXXX business days of the note date. |  |  |  | Reviewer Comment (2025-04-30): XXXX Received LOE stating survey was required by title company.<br>Seller Comment (2025-04-28): Comment from XXXX (XXXX.): Title attestation | 04/30/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXXXXX | 4000072630 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072630 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of Tax Verification |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX): REO Docs | 04/24/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of HOA Verification Document |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX): HOA | 04/24/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing insurance verification |  |  |  | Reviewer Comment (2025-04-24): Received, Clearing.<br>Seller Comment (2025-04-24): Comment from XXXX (XXXX): Insurance | 04/24/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (XXXX) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-24): Accepted as is. |  |  | 04/24/2025 | 2 B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072537 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000073097 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-25): Accepted as is. |  |  | 04/25/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXXXXX | 4000072179 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-04-24): Accepted as is. |  |  | 04/24/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000072179 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  | The file was missing a copy of Legal Description |  |  |  | Reviewer Comment (2025-04-28): Received, Clearing.<br>Seller Comment (2025-04-28): Comment from XXXX (XXXX):XXXX Please see attached Legal Description that was recorded with the Security Instrument<br>Reviewer Comment (2025-04-25): The legal that is part of the commitment is not acceptable. It needs to be the Legal on its own sperate document.<br>Seller Comment (2025-04-25): Comment from XXXX (XXXX): XXXX Please see attached Legal Description | 04/28/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXXXXX | 4000070169 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | NM | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXXXXX | 4000071164 | XXXXXXX |  | XXXXXXX |  | 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 Credit Report Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower. | Cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-04-28): Sufficient Cure Provided within 60 Days of Closing |  | 04/28/2025 |  | 1 A |  | CA | 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 | Yes |
| XXXXXXX | 4000071164 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX): See attached |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071164 | XXXXXXX |  | XXXXXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing copy of updated Paystub. |  |  |  | Reviewer Comment (2025-04-29): Cleared paystubs received.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX): See attached | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071164 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-29): Accepted as is.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX): See attached |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000069951 | XXXXXXX |  | XXXXXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  | Missing legal description. |  |  |  | Reviewer Comment (2025-04-29): Received, Clearing.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX): XXXX: Please see the attached Legal Description | 04/29/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| XXXXXXX | 4000073119 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000073119 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | "The appraisal was not provided to the borrower within XXXX days of consummation.<br> " |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000071777 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000071177 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Tax Transfer fee increased from $XXXX to $XXXX, without a valid changed circumstance document in file. A cure of $XXXX was provided. |  |  |  | Reviewer Comment (2025-04-29): XXXX received LOE is sufficieint<br>Seller Comment (2025-04-28): Comment from XXXX (XXXX): Please see attached LOX | 04/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| XXXXXXX | 4000074119 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000074119 | XXXXXXX |  | XXXXXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. |  |  |  | Reviewer Comment (2025-04-29): Received, Clearing.<br>Seller Comment (2025-04-29): Comment from XXXX (XXXX): Hello, please see attached | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000073983 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000073983 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title Policy does not list policy amount. |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000074087 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-28): Accepted as is. |  |  | 04/28/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXXXXX | 4000072824 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXXXXX | 4000072824 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-29): Clearing.<br>Buyer Comment (2025-04-29): Comment from XXXX (XXXX): Please see Pg XXXX of the loan file which is the title commitment confirming coverage of $XXXX | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072824 | XXXXXXX |  | XXXXXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000074092 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The seller has not been on title XXXX days. Lender credit approved. Compensating factors FICOXXXX, XXXX months in reserves. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of XXXX months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-29): Client elects to waive/regrade with compensating factors. |  |  | 04/29/2025 | 2 B |  | SC | Investment | Purchase | B A | N/A | N/A | No |
| XXXXXXX | 4000073790 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | DE | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000073790 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | DE | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000073799 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | WA | Investment | Purchase | B A | N/A | N/A | No |
| XXXXXXX | 4000073799 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | WA | Investment | Purchase | B A | N/A | N/A | No |
| XXXXXXX | 4000073798 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-30): Freddie Mac UCDP score on file of XXXX<br>Seller Comment (2025-04-30): Comment from XXXX (XXXX): Hello! We were wondering if there was something specific about this loan that requires a secondary valuation although we submitted UCDP showing a score of XXXX or less? Normally, we did not see this condition on other loans. Thank you.<br>Reviewer Comment (2025-04-30): Guidelines require a secondary valuation for securitization purposes.<br>Buyer Comment (2025-04-30): Comment from XXXX (XXXX): Hello, Can we get clarification on what this condition is requesting? | 04/30/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B A | Non QM | Non QM | No |
| XXXXXXX | 4000073798 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | The appraisal was not provided to the borrower within XXXX business days of the note date. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | D B A | Non QM | Non QM | No |
| XXXXXXX | 4000073026 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | The appraisal was not provided to the borrower within XXXX business days of the note date. |  |  |  | Reviewer Comment (2025-04-29): Accepted as is. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXXXXX | 4000074502 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-05-02): Received CDA. Exception cleared.<br>Seller Comment (2025-05-02): Comment from XXXX (XXXX): CDA value $XXXX. Appraisal value $XXXX. | 05/02/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall finding due to Most Recent Third-party documents are missing in file, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-05-05): Received, Clearing.<br>Buyer Comment (2025-05-05): Comment from XXXX (XXXX): See trailing docs attached Proof 3rd party prepared the P&L | 05/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay (Dodd-Frank 2014): P&L Statement(s) used to qualify were not prepared by a third party. | Most Recent Third-party documents are missing in file |  |  |  | Reviewer Comment (2025-05-05): Received, Clearing.<br>Seller Comment (2025-05-05): Comment from XXXX (XXXX): See attached XXXX prepared P&L. See license Letter and the P&L with signature on the lower left-hand sign for both business income. | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay (Dodd-Frank 2014): P&L Statement(s) used to qualify were not prepared by a third party. | Most Recent Third-party documents are missing in file |  |  |  | Reviewer Comment (2025-05-05): Received, Clearing.<br>Buyer Comment (2025-05-05): Comment from XXXX (XXXX): See attached tailing docs XXXX prepared P&L. See license Letter and the P&L with signature on the lower left-hand sign for both business income. | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-06): XXXX received initial CD.<br>Seller Comment (2025-05-05): Comment from XXXX (XXXX): Initial CD and proof of delivery | 05/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-05): Received, Clearing. | 05/05/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000075312 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-05-05): Received, Clearing.<br>Buyer Comment (2025-05-05): Comment from XXXX (XXXX): See attached tailing docs XXXX prepared P&L. See license Letter and the P&L with signature on the lower left-hand sign for both business income. | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXXXXX | 4000074552 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | COC provided is not within XXXX business days. |  |  |  | Reviewer Comment (2025-05-13): XXXX received CD dated XXXX and as per rate lock COC.<br>Seller Comment (2025-05-09): Comment from XXXX (XXXX): The COC shows changes received XXXX and the revised CD was XXXX.<br>Reviewer Comment (2025-05-09): XXXX received changed circumstance dated XXXX, but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis.<br>Seller Comment (2025-05-08): Comment from XXXX (XXXX): See attached VCOC for mortgage broker fee, Re-inspection and the Appraisal fee increase | 05/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000074552 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | COC provided is not within XXXX business days. |  |  |  | Reviewer Comment (2025-05-14): XXXX Received valid COC dated XXXX<br>Seller Comment (2025-05-13): Comment from XXXX (XXXX): See attached revised VCOC with more detail.<br>Reviewer Comment (2025-05-13): XXXX received CD dated XXXX but, provided COC does not specify why rush fee was added. Please provide information as to what changed circumstance occurred (as defined under XXXX (e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-05-09): Comment from XXXX (XXXX): See trailing docs<br>Reviewer Comment (2025-05-09): XXXX received changed circumstance dated XXXX but a corresponding LE/CD was not provided. Also, provided COC does not specify why rush fee was added. Please provide valid COC dated XXXX along with corresponding LE/CD.<br>Buyer Comment (2025-05-08): Comment from XXXX (XXXX): See trailing docs for VCOC for mortgage broker fee, Re-inspection and the Appraisal fee increase | 05/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000074552 | XXXXXXX |  | XXXXXXX |  | 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 Reinspection Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | COC provided is not within XXXX business days. |  |  |  | Reviewer Comment (2025-05-15): Closing statement reflecting reinspection fee not charged to borrower <br> received. Corrected PCCD and LOE provided.<br>Seller Comment (2025-05-15): Comment from XXXX (XXXX): See attached PCCD, LOE and proof of delivery.<br>Reviewer Comment (2025-05-15): XXXX received rebuttal, however no PCCD, LOE, copy of refund check and proof of mailing received. Please provide the cure documents to re-evaluate the exception.<br>Buyer Comment (2025-05-14): Comment from XXXX (XXXX): See attached PCCD, LOE and proof of delivery<br>Reviewer Comment (2025-05-14): XXXX Received COC dated XXXX stating re-inspection fee added; however, appraisal is "As is" and file does not contain Appraisal reinspection report (1004D). Provide Valid COC with additional information for addition of Appraisal reinspection fee along with 1004D.<br>Seller Comment (2025-05-13): Comment from XXXX (XXXX): Please see the final settlement statement provided. The borrower was not charged for the re-inspection fee as it was not done. That is why it isn't in the file. It was added in error and was not required.<br>Reviewer Comment (2025-05-13): XXXX received CD dated XXXX. But, the COC dated XXXX does not specify the reason for addition of Appraisal re-inspection and also 1004D report is not present in file. Provide COC with additional details along with Appraisal re-inspection report.<br>Seller Comment (2025-05-09): Comment from XXXX (XXXX): Please see final settlement statement. The borrower ended up not needing the re-inspection and was not charged at the closing. See the final settlement statement attached.<br>Reviewer Comment (2025-05-09): XXXX Received COC datedXXXX stating Final re-inspection require; however, it does not specify the reason for addition of Appraisal re-inspection and also 1004D report not present in file. Provide COC with additional details along with Appraisal re-inspection report.<br>Buyer Comment (2025-05-08): Comment from XXXX (XXXX): See trailing docs for VCOC for mortgage broker fee, Re-inspection and the Appraisal fee increase | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXXXXX | 4000074552 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-07): Accepted as is. |  |  | 05/07/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070378 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-13): XXXX received CD dated XXXX.<br>Seller Comment (2025-05-12): Comment from XXXX (XXXX): See attached initial CD and delivery tracking | 05/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXXXXX | 4000070378 | XXXXXXX |  | XXXXXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender on Appraisal differs from the Note. The appraisal Transfer Letter is missing from the file. |  |  |  | Reviewer Comment (2025-05-09): Accepted as is. |  |  | 05/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070378 | XXXXXXX |  | XXXXXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-05-09): Accepted as is. |  |  | 05/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000070378 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for insufficient tradeline XXXX active VOR vs XXXX required. Comp factors FICO XXXX, $XXXX residual income. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-09): Client elects to waive/regrade with compensating factors. |  |  | 05/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000072135 | XXXXXXX |  | XXXXXXX |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower and valid COC is missing from the file. |  |  |  | Reviewer Comment (2025-05-13): XXXX received COC dated XXXX<br>Seller Comment (2025-05-12): Comment from XXXX (XXXX): See attached VCOC | 05/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXXXXX | 4000072135 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX0 exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower and valid COC is missing from the file. |  |  |  | Reviewer Comment (2025-05-13): XXXX received COC dated XXXX<br>Buyer Comment (2025-05-12): Comment from XXXX (XXXX): See trailing VCOC | 05/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXXXXX | 4000074213 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. (Final/XXXX) |  |  |  | Reviewer Comment (2025-05-14): XXXX received XXXX CD received 3 business days prior to consummation.<br>Seller Comment (2025-05-13): Comment from XXXX (XXXX): Please see attached Initial CD and proof of delivery | 05/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| XXXXXXX | 4000071076 | XXXXXXX |  | XXXXXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset seasoning: The borrower made a $XXXXdeposit on XXXX into [REDACTED} account XXXX from XXXX XXXX. Missing second full month statement for account XXXX to source/season XXXX days as required. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-14): Client elected to waive/regrade with compensating factors. Lender exception provided. |  |  | 05/14/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071076 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-14): Received Document confirming the appraisal delivery. Exception cleared.<br>Seller Comment (2025-05-14): Comment from XXXX (XXXX): XXXX Disclosure Tracking details report confirms copy of the appraisal was emailed to borrower on XXXX | 05/14/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071076 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan ofXXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-05-14): Received Document confirming the appraisal delivery. Exception cleared.<br>Seller Comment (2025-05-14): Comment from XXXX (XXXX): XXXX Disclosure Tracking details report confirms copy of the appraisal was emailed to borrower on XXXX | 05/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXXXXX | 4000071076 | XXXXXXX |  | XXXXXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-14): Received Document confirming the appraisal delivery. Exception cleared.<br>Seller Comment (2025-05-14): Comment from XXXX (XXXX): XXXX Disclosure Tracking details report confirms copy of the appraisal was emailed to borrower on XXXX. | 05/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |

---

## Exhibit 99.04

**Exhibit 99.04**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 4000029178 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000047785 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000057168 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 |
| XXXX | 4000057350 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000056379 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX | 4000060757 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 25.668% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000055710 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000059754 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| XXXX | 4000054382 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000059688 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| XXXX | 4000061358 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000062391 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX | 4000061601 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000062005 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | 4000058492 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000061630 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX | 4000060023 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000063004 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| XXXX | 4000062783 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000064595 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | 4000062059 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| XXXX | 4000063988 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000058844 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 4000051648 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX | 4000063121 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000062057 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| XXXX | 4000063976 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 4000063281 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.745% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.80 |
| XXXX | 4000063082 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| XXXX | 4000064526 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| XXXX | 4000063171 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000062006 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000062892 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.40 |
| XXXX | 4000064197 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | 4000066439 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000066845 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000064091 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX | 4000062589 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | 4000065846 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000065647 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000066499 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | 4000066502 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000064621 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000062662 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000062971 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 4000062051 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| XXXX | 4000066116 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000064155 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000064933 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX | 4000066790 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000067114 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.889% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 4000066245 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| XXXX | 4000063388 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000064382 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000065748 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.90 |
| XXXX | 4000061504 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000066928 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| XXXX | 4000065972 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000065128 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | 4000063997 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000063772 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| XXXX | 4000066945 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000064459 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| XXXX | 4000067947 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000067449 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000063613 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| XXXX | 4000063655 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| XXXX | 4000066095 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | 4000063427 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069664 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000067909 | XXXX |  |  |  |  |  |  | 5.714% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| XXXX | 4000067296 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000065108 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 4000067057 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000065866 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000068387 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069716 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000066183 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000066007 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000065969 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX | 4000066524 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX | 4000066493 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 4000066027 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 4000068119 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000067299 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| XXXX | 4000067405 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| XXXX | 4000069589 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 4000067744 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| XXXX | 4000068528 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000066055 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 4000068334 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000066297 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| XXXX | 4000063701 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| XXXX | 4000068286 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069421 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| XXXX | 4000069390 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000067043 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000068917 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000067221 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000068201 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000068981 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000067731 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | 1.048% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000066725 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | 4000068217 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000068285 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 4000068073 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 4000061621 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000069032 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | 4000067703 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXXX | 4000070105 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000067272 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX | 4000064686 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.667% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | 4000068177 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000064475 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000068883 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX | 4000070486 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000067533 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069596 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 4000068194 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000065914 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000066415 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000068823 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | 4000069764 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | 4000065809 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | 4000067246 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000066993 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.10 |
| XXXX | 4000069950 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 4000067487 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000070328 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000068783 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 4000069346 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000070592 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| XXXX | 4000069979 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000068920 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 4000069233 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| XXXX | 4000062318 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| XXXX | 4000070892 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| XXXX | 4000069642 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| XXXX | 4000067080 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX | 4000069286 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000070644 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.067% |  |  | Appraisal |  |  |  |  |  | -1.085% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 4000070346 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 4000069258 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000070256 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000068130 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| XXXX | 4000070099 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000069409 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000070202 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| XXXX | 4000060201 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000068368 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000070271 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.273% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| XXXX | 4000070878 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000067581 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | 4000069541 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| XXXX | 4000069530 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000071468 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000068831 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000070928 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000070094 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| XXXX | 4000070917 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX | 4000068230 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000068800 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069355 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.005% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000069427 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.005% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000068533 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.80 |
| XXXX | 4000070768 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069527 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000070617 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000067295 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000067616 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| XXXX | 4000070307 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX | 4000069097 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| XXXX | 4000070305 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000071556 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| XXXX | 4000069685 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | 4000071789 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000068066 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXXX | 4000068833 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX | 4000071000 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000069257 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 4000071548 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| XXXX | 4000070097 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000072391 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 4000072085 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000069725 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000070846 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| XXXX | 4000071858 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 4000072342 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000073088 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000068284 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | 4000070840 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
| XXXX | 4000068437 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| XXXX | 4000073417 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000070555 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| XXXX | 4000068874 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000073006 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072208 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000071346 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.818% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073035 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072107 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | 4000072634 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 4000063565 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000070483 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 4000070970 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000073071 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000072331 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000068433 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000070382 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.844% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000073413 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073678 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073278 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072988 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000074168 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000067769 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000068455 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.124% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | 4000072707 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000071243 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 4000071615 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000071762 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 4000071302 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | 4000073708 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000072733 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073240 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.192% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 2.192% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000070954 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 4000072371 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000072630 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000070839 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000072537 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| XXXX | 4000072894 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000069695 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000073097 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 4000072179 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 4000073022 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000074375 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072321 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000071967 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000072604 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX | 4000070169 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| XXXX | 4000073868 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000071164 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | 4000069951 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000072459 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | 4000073119 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | 4000071777 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000073501 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000071177 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 4000072404 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000074119 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000073238 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073983 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 4000074087 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000072296 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000070138 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| XXXX | 4000073307 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXXX | 4000072824 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX | 4000072686 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 4000074092 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 4000073790 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.104% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073676 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000074646 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000073799 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 4000073798 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | 4000073026 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | 4000073451 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 4000072366 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 4000074502 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000075312 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000074552 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 4000070378 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 4000072135 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 4000074213 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | 4000071076 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |

---

## Exhibit 99.05

**Exhibit 99.05** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXXXX | 4000029178 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6121.44 | $1752.00 | $510.12 | $146.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000047785 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $6500.04 | $1990.20 | $541.67 | $165.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 921.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000057168 | XXXXX |  | Non QM |  |  |  | Yes | No | $7418.00 | $10191.44 |  | 6.891% | XXXXX | XXXXX | 6.750% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $12875.04 | $1059.00 | $1072.92 | $88.25 |  |  |  |  |  | 42.122% | 42.122% | 42.122% | XXXXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7418.00 |  | 6.760% | $2575.00 | 3 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 29.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 4.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000057350 | XXXXX |  | Non QM |  |  |  | Yes | No | $29035.00 | $11458.26 |  | 7.809% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $21249.96 | $2421.00 | $1770.83 | $201.75 |  |  |  |  |  | 31.042% | 31.042% | 31.042% | XXXXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $29035.00 |  | 6.760% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 13.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000056379 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4043.04 | $4561.56 | $336.92 | $380.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | XXXXX | XXXXX | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000060757 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2218.80 | $2862.84 | $184.90 | $238.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXXX | XXXXX | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 18.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000055710 | XXXXX |  | Non QM |  |  |  | Yes | No | $7023.13 | $13878.33 |  | 7.239% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $14062.56 | $1533.96 | $1171.88 | $127.83 |  |  |  |  |  | 37.910% | 37.910% | 37.910% | XXXXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2017<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7023.13 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 10.67 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 32.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.56 |  |  | No |  | $7408.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000059754 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 9.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1860.96 | $449.04 | $155.08 | $37.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | XXXXX | XXXXX | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000054382 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9402.00 | $4260.00 | $783.50 | $355.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.45 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000059688 | XXXXX |  | Non QM |  |  |  | Yes | No | $34927.50 | $41291.39 |  | 7.752% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $11012.16 | $3729.96 | $917.68 | $310.83 |  |  |  |  |  | 27.869% | 27.869% | 27.869% | XXXXX | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $34927.50 |  | 6.890% | $0.00 | 5 |  |  |  | Yes | No | 7.500% | 0 |  | 2 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000061358 | XXXXX |  | Non QM |  |  |  | Yes | No | $11455.59 | $15646.45 |  | 7.810% | XXXXX | XXXXX | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $15279.96 | $1413.00 | $1273.33 | $117.75 |  |  |  |  |  | 34.479% | 34.479% | 34.479% | XXXXX | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No |  | XXXX | $11455.59 |  | 6.900% | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062391 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $17373.00 | $4237.56 | $1447.75 | $353.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000061601 | XXXXX |  | Non QM |  |  |  | Yes | No | $4312.50 | $4798.60 |  | 7.987% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $2236.92 | $1374.96 | $186.41 | $114.58 |  |  |  |  |  | 35.525% | 35.525% | 35.525% | XXXXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 43.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2008<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2008 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4312.50 |  | 6.890% | $2000.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062005 | XXXXX |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.601% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $9000.12 | $2100.00 | $750.01 | $175.00 |  |  |  |  |  | 38.577% | 38.577% | 38.577% | XXXXX | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | XXXX |  |  | 6.890% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | 7.625% | 0 |  | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000058492 | XXXXX |  | Non QM |  |  |  | Yes | No | $22271.00 |  |  | 7.841% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $22475.04 | $8698.92 | $1872.92 | $724.91 |  |  |  |  |  | 10.895% | 10.895% | 10.895% | XXXXX | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $22271.00 |  | 6.690% | $100000.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 5.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000061630 | XXXXX |  | Non QM |  |  |  | Yes | No | $2665.00 | $5396.79 |  | 7.673% | XXXXX | XXXXX | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $5184.72 | $1035.96 | $432.06 | $86.33 |  |  |  |  |  | 39.535% | 39.535% | 39.535% | XXXXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2665.00 |  | 6.890% | $3000.00 | 2.6 |  |  |  | Yes | No | 7.625% | 2 | 2 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 159.36 |  | No | No |  | $0.00 | $9293.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000060023 | XXXXX |  | Non QM |  |  |  | Yes | No | $13285.00 | $15045.98 |  | 7.376% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $23651.76 | $1833.96 | $1970.98 | $152.83 |  |  |  |  |  | 30.863% | 30.863% | 30.863% | XXXXX | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $13285.00 |  | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063004 | XXXXX |  | Non QM |  |  |  | Yes | No | $10740.00 | $14237.36 |  | 7.486% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $14714.28 | $1825.92 | $1226.19 | $152.16 |  |  |  |  |  | 39.235% | 39.235% | 39.235% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $10740.00 |  | 6.980% | $28000.00 | 2.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062783 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6187.56 | $1008.00 | $515.63 | $84.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | XXXXX | XXXXX | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 169.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064595 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5473.44 | $1385.04 | $456.12 | $115.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000062059 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11453.88 | $1047.96 | $954.49 | $87.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  | 240 | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.21 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063988 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $2237.88 | $1752.96 | $186.49 | $146.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 58.03 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000058844 | XXXXX |  | Non QM |  |  |  | Yes | No | $12731.00 | $13572.08 |  | 7.431% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10188.12 | $1023.00 | $849.01 | $85.25 |  |  |  |  |  | 24.994% | 24.994% | 24.994% | XXXXX | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $12731.00 |  | 6.690% | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000051648 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9836.52 | $1479.96 | $819.71 | $123.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063121 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $7517.20 |  | 6.891% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 4 | $50084.16 | $9996.36 | $4173.68 | $833.03 |  |  |  |  |  | 37.098% | 37.098% | 37.098% | XXXXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.980% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 79.000% | No | 15 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 209.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062057 | XXXXX |  | Non QM |  |  |  | Yes | No | $4815.00 | $9259.02 |  | 7.426% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $26548.32 | $7248.96 | $2212.36 | $604.08 |  |  |  |  |  | 41.401% | 41.401% | 41.401% | XXXXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4815.00 |  | 6.890% | $0.00 | 2.2 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  | HELOC | No |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063976 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 9.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2307.36 | $1259.04 | $192.28 | $104.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063281 | XXXXX |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.094% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $11793.72 | $2190.48 | $982.81 | $182.54 |  |  |  |  |  | 27.128% | 27.128% | 27.128% | XXXXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.980% | $0.00 | 3.8 | LP / LPA |  | Accept/Eligible | Yes | No | 7.125% | 0 | 0 | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 129.31 |  | No | No |  | $10509.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063082 | XXXXX |  | Non QM |  |  |  | Yes | No | $5818.00 | $8131.44 |  | 6.907% | XXXXX | XXXXX | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $5267.40 | $755.04 | $438.95 | $62.92 |  |  |  |  |  | 39.328% | 39.328% | 39.328% | XXXXX | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5818.00 |  | 6.980% | $0.00 | 2.5 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 68.000% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 39.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064526 | XXXXX |  | Non QM |  |  |  | Yes | No | $17750.00 | $0.00 |  | 7.336% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $25883.04 | $4004.04 | $2156.92 | $333.67 |  |  |  |  |  | 36.657% | 36.657% | 36.657% | XXXXX | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $17750.00 |  | 6.930% | $0.00 | 3.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 44.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.61 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063171 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $15924.48 | $2435.04 | $1327.04 | $202.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 105.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062006 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.979% | XXXXX | XXXXX | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $1407.60 | $1731.96 | $117.30 | $144.33 |  |  |  |  |  | 17.684% | 17.684% | 17.684% | XXXXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.890% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.000% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 76.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062892 | XXXXX |  | Non QM |  |  |  | Yes | No | $3255.00 | $3287.72 |  | 7.704% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $7461.84 | $8295.96 | $621.82 | $691.33 |  |  |  |  |  | 35.133% | 35.133% | 35.133% | XXXXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3255.00 |  | 6.890% | $0.00 | 4.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.12 |  |  | No |  | $7814.62 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064197 | XXXXX |  | Non QM |  |  |  | Yes | No | $7810.00 | $1245.58 |  | 7.515% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10496.76 | $1838.16 | $874.73 | $153.18 |  |  |  |  |  | 17.235% | 17.235% | 17.235% | XXXXX | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $7810.00 |  | 7.070% | $7000.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066439 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1887.12 | $1416.00 | $157.26 | $118.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 160.44 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000066845 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | $1863.96 | $3567.96 | $155.33 | $297.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 15.47 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000064091 | XXXXX |  | Non QM |  |  |  | Yes | No | $3395.12 | $5521.57 |  | 7.956% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5066.04 | $1802.04 | $422.17 | $150.17 |  |  |  |  |  | 25.151% | 25.151% | 25.151% | XXXXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3395.12 |  | 7.070% | $1500.00 | 1.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.53 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062589 | XXXXX |  | Non QM |  |  |  | Yes | No | $5500.00 | $7417.35 |  | 7.229% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $12236.16 | $1503.96 | $1019.68 | $125.33 |  |  |  |  |  | 35.252% | 35.252% | 35.252% | XXXXX | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5500.00 |  | 6.980% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 31.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065846 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 9.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1457.88 | $2168.04 | $121.49 | $180.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 775.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065647 | XXXXX |  | Non QM |  |  |  | Yes | No | $8869.00 | $3444.98 |  | 7.438% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $11710.68 | $1801.20 | $975.89 | $150.10 |  |  |  |  |  | 32.032% | 32.032% | 32.032% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8869.00 |  | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066499 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3099.12 | $654.96 | $258.26 | $54.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000066502 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5707.92 | $1164.00 | $475.66 | $97.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | XXXXX | XXXXX | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000064621 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7181.28 | $1227.00 | $598.44 | $102.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | XXXXX | XXXXX | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062662 | XXXXX |  | N/A |  |  |  | No | No | $7090.00 | $5713.72 |  | 7.966% | XXXXX | XXXXX | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 2 | $2657.28 | $2705.16 | $221.44 | $225.43 |  |  |  |  |  | 31.480% | 31.480% | 31.480% | XXXXX | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $7090.00 |  | 6.980% | $8680.00 |  |  |  |  | No | No | 7.750% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 72.000% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062971 | XXXXX |  | Non QM |  |  |  | Yes | No | $4220.00 | $4531.83 |  | 7.331% | XXXXX | XXXXX | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5722.56 | $1844.04 | $476.88 | $153.67 |  |  |  |  |  | 34.505% | 34.505% | 34.505% | XXXXX | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4220.00 |  | 6.980% | $3000.00 | 1.5 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 65.000% | No | 21 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.52 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062051 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $3895.24 |  | 7.142% | XXXXX | XXXXX | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $13734.00 | $2684.28 | $1144.50 | $223.69 |  |  |  |  |  | 7.370% | 7.370% | 7.370% | XXXXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.890% | $0.00 | 3.3 |  |  |  | Yes | No | 7.125% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 226.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066116 | XXXXX |  | Non QM |  |  |  | Yes | No | $6055.52 | $7233.09 |  | 8.048% | XXXXX | XXXXX | 8.322% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $6074.64 | $1407.96 | $506.22 | $117.33 |  |  |  |  |  | 43.671% | 45.658% | 43.671% | XXXXX | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6055.52 |  | 6.890% | $8500.00 | 1 |  |  |  | Yes | No | 8.322% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 38.000% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064155 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5475.00 | $1913.04 | $456.25 | $159.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.82 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064933 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.248% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3103.68 | $2033.28 | $258.64 | $169.44 |  |  |  |  |  | 22.333% | 22.333% | 22.333% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1040-ES - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.930% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.250% | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066790 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $9594.72 | $1661.04 | $799.56 | $138.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XXXXX | XXXXX | 38.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.96 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067114 | XXXXX |  | Non QM |  |  |  | Yes | No | $5413.75 | $2142.56 |  | 9.632% | XXXXX | XXXXX | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3288.00 | $1402.20 | $274.00 | $116.85 |  |  |  |  |  | 34.492% | 34.492% | 34.492% | XXXXX | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5413.75 |  | 6.880% | $0.00 | 5 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066245 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $15182.76 | $13056.84 | $1265.23 | $1088.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  | 240 | XXXXX | XXXXX | 58.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063388 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $5956.80 | $2951.88 | $496.40 | $245.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000064382 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $966.72 | $699.00 | $80.56 | $58.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX | 50.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.89 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000065748 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $2415.32 |  | 7.580% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5195.76 | $2148.00 | $432.98 | $179.00 |  |  |  |  |  | 20.295% | 20.295% | 20.295% | XXXXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.920% | $5120.00 | 4.9 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000061504 | XXXXX |  | Non QM |  |  |  | Yes | No | $6385.00 | $11832.60 |  | 7.377% | XXXXX | XXXXX | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $8304.96 | $2045.04 | $692.08 | $170.42 |  |  |  |  |  | 44.317% | 44.317% | 44.317% | XXXXX | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6385.00 |  | 6.890% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 74.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.55 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066928 | XXXXX |  | Non QM |  |  |  | Yes | No | $28703.80 | $8211.20 |  | 7.852% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $20460.12 | $3444.00 | $1705.01 | $287.00 |  |  |  |  |  | 44.832% | 44.832% | 44.832% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $28703.80 |  | 6.880% | $0.00 | 4.1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 30.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065972 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $7054.68 | $8148.84 | $587.89 | $679.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.64 | 0.38 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000065128 | XXXXX |  | Non QM |  |  |  | Yes | No | $5015.00 | $6060.09 |  | 7.708% | XXXXX | XXXXX | 7.500% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $2394.12 | $2751.36 | $199.51 | $229.28 |  |  |  |  |  | 29.796% | 29.796% | 29.796% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5015.00 |  | 6.920% | $500.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 68.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.17 |  | No | No |  | $0.00 | $31500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063997 | XXXXX |  | Non QM |  |  |  | Yes | No | $6612.50 | $235.00 |  | 7.257% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10403.16 | $2693.64 | $866.93 | $224.47 |  |  |  |  |  | 19.434% | 19.434% | 19.434% | XXXXX | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6612.50 |  | 7.070% | $7000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.7 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063772 | XXXXX |  | Non QM |  |  |  | Yes | No | $6552.00 | $7489.55 |  | 6.995% | XXXXX | XXXXX | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7373.76 | $1850.28 | $614.48 | $154.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6552.00 |  | 7.070% | $0.00 | 4.2 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 499.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066945 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.829% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5119.68 | $1038.96 | $426.64 | $86.58 |  |  |  |  |  | 41.615% | 41.615% | 41.615% | XXXXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.880% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 193.62 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064459 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $13197.63 |  | 6.896% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $19971.60 | $1431.00 | $1664.30 | $119.25 |  |  |  |  |  | 37.459% | 37.459% | 37.459% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.930% | $0.00 | 1.7 |  |  |  | No | No | 6.875% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 236.83 |  | No | No |  | $0.00 | $20090.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067947 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4104.12 | $2685.96 | $342.01 | $223.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | XXXXX | XXXXX | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067449 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2877.72 | $3208.92 | $239.81 | $267.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000063613 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $2775.55 |  | 7.285% | XXXXX | XXXXX | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $11901.24 | $2693.04 | $991.77 | $224.42 |  |  |  |  |  | 28.251% | 28.251% | 28.251% | XXXXX | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 7.070% | $0.00 | 3.8 |  |  |  | Yes | No | 7.250% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 52.000% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063655 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $6940.08 | $6446.64 | $578.34 | $537.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 4 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000066095 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4215.00 | $9974.04 | $351.25 | $831.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 121.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000063427 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6332.64 | $4863.00 | $527.72 | $405.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.98 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000069664 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $20293.44 | $1658.04 | $1691.12 | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 30.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067909 | XXXXX |  | Non QM |  |  |  | Yes | No | $9868.00 | $14336.75 |  | 7.005% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $10254.60 | $5274.00 | $854.55 | $439.50 |  |  |  |  |  | 33.365% | 33.365% | 33.365% | XXXXX | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9868.00 |  | 6.850% | $0.00 | 2.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 7.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067296 | XXXXX |  | Non QM |  |  |  | Yes | No | $21468.00 | $26457.58 |  | 6.848% | XXXXX | XXXXX | 6.625% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXXX | 2 | $11724.12 | $1041.96 | $977.01 | $86.83 |  |  |  |  |  | 43.061% | 43.061% | 43.061% | XXXXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $21468.00 |  | 6.880% | $0.00 |  |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 46.000% | No | 35 | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.8 |  |  | No |  | $0.00 | $5536.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065108 | XXXXX |  | Non QM |  |  |  | Yes | No | $8176.99 | $9204.43 |  | 6.596% | XXXXX | XXXXX | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3891.36 | $1245.96 | $324.28 | $103.83 |  |  |  |  |  | 29.779% | 29.779% | 29.779% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8176.99 |  | 6.620% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.250% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.81 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067057 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1607.40 | $1035.00 | $133.95 | $86.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | XXXXX | XXXXX | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065866 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $5152.32 | $963.96 | $429.36 | $80.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 115.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068387 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5763.12 | $3154.20 | $480.26 | $262.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000069716 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3193.08 | $1991.04 | $266.09 | $165.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 114.48 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000066183 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.716% | XXXXX | XXXXX | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $7937.40 | $2219.40 | $661.45 | $184.95 |  |  |  |  |  | 28.198% | 28.198% | 28.198% | XXXXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.870% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 134.51 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066007 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $7551.00 | $1757.04 | $629.25 | $146.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.06 |  |  |  |  |  |  |  | XXXXX | XXXXX | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065969 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.847% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $5644.44 | $732.96 | $470.37 | $61.08 |  |  |  |  |  | 36.790% | 36.790% | 36.790% | XXXXX | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  | 6.620% | $8615.00 | 2.6 | DU |  | ApproveEligible | Yes | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 74.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 79.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066524 | XXXXX |  | N/A |  |  |  | No | No | $11822.00 | $4419.40 |  | 7.484% | XXXXX | XXXXX | 7.375% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | XXXXX | 1 | $4140.00 | $1602.00 | $345.00 | $133.50 |  |  |  |  |  | 9.535% | 9.535% | 9.535% | XXXXX | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $11822.00 |  | 6.870% | $7500.00 | 3.5 |  |  |  | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 115.9 |  | No | No |  | $125214.51 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066493 | XXXXX |  | Non QM |  |  |  | Yes | No | $10300.16 | $16220.24 |  | 6.985% | XXXXX | XXXXX | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $6846.24 | $2618.52 | $570.52 | $218.21 |  |  |  |  |  | 39.095% | 39.095% | 39.095% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10300.16 |  | 6.870% | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.1 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066027 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.847% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $5524.80 | $654.00 | $460.40 | $54.50 |  |  |  |  |  | 29.253% | 29.253% | 29.253% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.870% | $8400.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport, VISA |  |  |  |  | 19.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068119 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4227.24 | $1134.96 | $352.27 | $94.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067299 | XXXXX |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 7.470% | XXXXX | XXXXX | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $1691.04 | $261.00 | $140.92 | $21.75 |  |  |  |  |  | 31.967% | 31.967% | 31.967% | XXXXX | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.650% | $700.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 7.500% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 66.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067405 | XXXXX |  | Non QM |  |  |  | Yes | No | $1740.00 | $4130.71 |  | 6.847% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5152.44 | $816.96 | $429.37 | $68.08 |  |  |  |  |  | 42.019% | 40.716% | 42.019% | XXXXX | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $1740.00 |  | 6.880% | $0.00 | 1.9 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 360 | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.29 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069589 | XXXXX |  | N/A |  |  |  | No | No | $28368.60 | $15816.03 |  | 7.370% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $9212.52 | $1413.96 | $767.71 | $117.83 |  |  |  |  |  | 20.861% | 20.861% | 20.861% | XXXXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $28368.60 |  | 6.730% | $0.00 | 1.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.2 |  | No | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067744 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $7661.40 |  | 6.891% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $20144.64 | $6651.00 | $1678.72 | $554.25 |  |  |  |  |  | 12.800% | 12.800% | 12.800% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.850% | $0.00 | 2 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.67 | Retail |  | No |  | $66063.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068528 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | $1797.12 | $536.04 | $149.76 | $44.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 173.13 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000066055 | XXXXX |  | Non QM |  |  |  | Yes | No | $3314.50 | $5217.38 |  | 8.500% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $4387.32 | $375.72 | $365.61 | $31.31 |  |  |  |  |  | 17.959% | 17.959% | 17.959% | XXXXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3314.50 |  | 6.870% | $0.00 | 2.2 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068334 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11645.64 | $1340.04 | $970.47 | $111.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | XXXXX | XXXXX | 65.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066297 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.473% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $1871.04 | $956.04 | $155.92 | $79.67 |  |  |  |  |  | 44.376% | 44.376% | 44.376% | XXXXX | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.730% | $0.00 | 2.2 | LP / LPA |  | Accept/Eligible | No | No | 7.500% | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 78.37 |  | Yes | No |  | $0.00 | $13583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000063701 | XXXXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $4022.38 |  | 7.297% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $14200.44 | $1748.04 | $1183.37 | $145.67 |  |  |  |  |  | 36.432% | 36.432% | 36.432% | XXXXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1499.00 |  | 7.070% | $0.00 | 5 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 | 2 | 2 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXXX | XXXXX | 49.000% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.75 |  | No | No |  | ($37.90) | $2322.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068286 | XXXXX |  | N/A |  |  |  | No | No | $5800.00 | $3021.75 |  | 7.743% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $2672.52 | $4575.96 | $222.71 | $381.33 |  |  |  |  |  | 33.918% | 33.918% | 33.918% | XXXXX | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2001<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2001<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2001<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2001 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5800.00 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 42.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069421 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $396.00 | $3465.00 | $33.00 | $288.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 5 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXXX | XXXXX | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000069390 | XXXXX |  | Non QM |  |  |  | Yes | No | $10075.15 | $4109.08 |  | 7.467% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $2638.68 | $5209.44 | $219.89 | $434.12 |  |  |  |  |  | 33.213% | 33.213% | 33.213% | XXXXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10075.15 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067043 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $1157.40 | $1998.00 | $96.45 | $166.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 522.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000068917 | XXXXX |  | N/A |  |  |  | No | Yes | $1730.00 | $3597.50 |  | 7.552% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 2 | $11292.60 | $2703.72 | $941.05 | $225.31 |  |  |  |  |  | 44.239% | 44.239% | 44.239% | XXXXX | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Auto Allowance]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1730.00 |  | 6.730% | $0.00 |  | DU |  | ApproveEligible | No | No | 7.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 55.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.1 |  | No | No |  | $1300.00 | $22175.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067221 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9655.68 | $1892.52 | $804.64 | $157.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 229.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068201 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.475% | XXXXX | XXXXX | 7.500% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXXX | 1 | $1764.00 | $693.00 | $147.00 | $57.75 |  |  |  |  |  | 37.025% | 37.025% | 37.025% | XXXXX | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.850% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.500% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 30.16 |  | No | No |  | $0.00 | $22500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068981 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.605% | XXXXX | XXXXX | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7944.00 | $1847.88 | $662.00 | $153.99 |  |  |  |  |  | 28.167% | 28.167% | 28.167% | XXXXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.620% | $8280.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 365.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067731 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.851% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXXX | 1 | $4917.24 | $943.56 | $409.77 | $78.63 |  |  |  |  |  | 38.052% | 38.052% | 38.052% | XXXXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.850% | $0.00 |  | DU | Yes | ApproveEligible | No | No | 6.875% | 1 | 1 | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 54.41 |  | Yes | No |  | $0.00 | $10291.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066725 | XXXXX |  | Non QM |  |  |  | Yes | No | $6140.00 | $10452.00 |  | 8.131% | XXXXX | XXXXX | 8.822% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10863.24 | $6708.96 | $905.27 | $559.08 |  |  |  |  |  | 44.693% | 41.644% | 44.693% | XXXXX | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6140.00 |  | 6.740% | $0.00 | 1.3 |  |  |  | Yes | No | 8.822% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068217 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $11805.24 | $4898.04 | $983.77 | $408.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  | 240 | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068285 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $7474.40 |  | 7.323% | XXXXX | XXXXX | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10551.72 | $2826.96 | $879.31 | $235.58 |  |  |  |  |  | 39.023% | 39.023% | 39.023% | XXXXX | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 247.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068073 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2713.92 | $969.60 | $226.16 | $80.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 188.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000061621 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 9.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $15048.96 | $1010.04 | $1254.08 | $84.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXXX | XXXXX | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069032 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $1361.64 | $869.04 | $113.47 | $72.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067703 | XXXXX |  | N/A |  |  |  | No | No | $7352.80 | $8506.76 |  | 9.142% | XXXXX | XXXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $4794.48 | $941.28 | $399.54 | $78.44 |  |  |  |  |  | 31.148% | 31.148% | 31.148% | XXXXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7352.80 |  | 6.850% | $0.00 | 1.7 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 20.91 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070105 | XXXXX |  | N/A |  |  |  | No | No | $2330.00 | $3988.92 |  | 8.156% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $1871.04 | $1308.96 | $155.92 | $109.08 |  |  |  |  |  | 32.441% | 32.441% | 32.441% | XXXXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2330.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 3 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067272 | XXXXX |  | Non QM |  |  |  | Yes | No | $2615.00 | $0.00 |  | 7.090% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $4151.04 | $925.80 | $345.92 | $77.15 |  |  |  |  |  | 21.435% | 21.435% | 21.435% | XXXXX | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2615.00 |  | 6.880% | $9000.00 | 1.6 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 6.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.67 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064686 | XXXXX |  | Non QM |  |  |  | Yes | No | $3166.88 | $4496.16 |  | 8.056% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $1974.72 | $900.96 | $164.56 | $75.08 |  |  |  |  |  | 44.456% | 44.456% | 44.456% | XXXXX | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3166.88 |  | 6.630% | $0.00 | 3.9 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068177 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6880.80 | $273.00 | $573.40 | $22.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  | 240 | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 288.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000064475 | XXXXX |  | Non QM |  |  |  | Yes | No | $1380.00 | $3519.32 |  | 7.369% | XXXXX | XXXXX | 8.322% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $8856.48 | $314.04 | $738.04 | $26.17 |  |  |  |  |  | 43.663% | 43.663% | 49.626% | XXXXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1380.00 |  | 6.760% | $0.00 | 1 |  |  |  | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 77.89 |  |  | No |  | $5003.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068883 | XXXXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2095.83 | $4102.05 |  | 7.450% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7394.28 | $1368.96 | $616.19 | $114.08 |  |  |  |  |  | 39.370% | 39.370% | 39.370% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2095.83 |  | 6.730% | $0.00 | 2.7 | LP / LPA |  | Accept/Eligible | No | No | 7.375% | 1 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | No |  |  |  | XXXXX | XXXXX | 60.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070486 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5653.08 | $921.00 | $471.09 | $76.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | XXXXX | XXXXX | 18.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067533 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 7.986% | XXXXX | XXXXX | 8.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $2687.52 | $1539.24 | $223.96 | $128.27 |  |  |  |  |  | 31.843% | 31.843% | 31.843% | XXXXX | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.650% | $5197.00 | 1 | DU |  | ApproveEligible | Yes | No | 8.000% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069596 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $943.68 | $512.04 | $78.64 | $42.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 114.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068194 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7437.48 | $1695.72 | $619.79 | $141.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | XXXXX | XXXXX | 58.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000065914 | XXXXX |  | Non QM |  |  |  | Yes | No | $8250.00 | $9541.74 |  | 8.079% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $25313.16 | $1017.96 | $2109.43 | $84.83 |  |  |  |  |  | 43.190% | 43.190% | 43.190% | XXXXX | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8250.00 |  | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066415 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4232.16 | $1842.00 | $352.68 | $153.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068823 | XXXXX |  | Non QM |  |  |  | Yes | No | $41647.24 | $17897.72 |  | 7.671% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $9183.24 | $3138.96 | $765.27 | $261.58 |  |  |  |  |  | 16.433% | 16.433% | 16.433% | XXXXX | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $41647.24 |  | 6.650% | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 19.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 11.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069764 | XXXXX |  | Non QM |  |  |  | Yes | No | $7339.00 | $2613.07 |  | 7.679% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $8514.72 | $2803.08 | $709.56 | $233.59 |  |  |  |  |  | 10.502% | 10.502% | 10.502% | XXXXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% | 40.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7339.00 |  | 6.620% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.4 |  | No | No |  | $23445.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000065809 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1751.64 | $3206.04 | $145.97 | $267.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067246 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $4551.94 |  | 6.907% | XXXXX | XXXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $10821.36 | $1589.04 | $901.78 | $132.42 |  |  |  |  |  | 38.793% | 38.793% | 38.793% | XXXXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 3 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 46.000% | No | 25 | 16 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.01 |  | Yes | No |  | $0.00 | $10833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000066993 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8288.64 | $1971.00 | $690.72 | $164.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069950 | XXXXX |  | Non QM |  |  |  | Yes | No | $14294.80 | $15938.61 |  | 7.688% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $8125.68 | $2813.04 | $677.14 | $234.42 |  |  |  |  |  | 5.519% | 5.519% | 5.519% | XXXXX | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $14294.80 |  | 6.620% | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067487 | XXXXX |  | N/A |  |  |  | No | No | $1730.00 | $2757.25 |  | 7.839% | XXXXX | XXXXX | 7.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3093.72 | $1656.72 | $257.81 | $138.06 |  |  |  |  |  | 21.064% | 21.064% | 21.064% | XXXXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; Other - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1730.00 |  | 6.880% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.750% | 1 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 70.81 |  | No | No |  | $75490.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070328 | XXXXX |  | Non QM |  |  |  | Yes | No | $4342.50 | $8894.35 |  | 6.975% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $14124.96 | $2735.28 | $1177.08 | $227.94 |  |  |  |  |  | 41.258% | 41.258% | 41.258% | XXXXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4342.50 |  | 6.620% | $5000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 14.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 0.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068783 | XXXXX |  | Non QM |  |  |  | Yes | No | $10490.00 | $11998.45 |  | 8.030% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5031.60 | $2862.00 | $419.30 | $238.50 |  |  |  |  |  | 16.116% | 16.116% | 16.116% | XXXXX | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $10490.00 |  | 6.730% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069346 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3173.40 | $1160.04 | $264.45 | $96.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | XXXXX | XXXXX | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000070592 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3749.28 | $1462.56 | $312.44 | $121.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 5 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069979 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4608.12 | $474.00 | $384.01 | $39.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 80.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000068920 | XXXXX |  | Non QM |  |  |  | Yes | No | $5074.78 | $6585.58 |  | 7.532% | XXXXX | XXXXX | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7415.16 | $2576.88 | $617.93 | $214.74 |  |  |  |  |  | 43.788% | 43.788% | 43.788% | XXXXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5074.78 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069233 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2610.72 | $1495.68 | $217.56 | $124.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000062318 | XXXXX |  | Non QM |  |  |  | Yes | No | $21890.00 | $24024.81 |  | 8.199% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $11105.04 | $4527.84 | $925.42 | $377.32 |  |  |  |  |  | 43.227% | 43.227% | 43.227% | XXXXX | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $21890.00 |  | 6.870% | $0.00 | 2.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070892 | XXXXX |  | Non QM |  |  |  | Yes | No | $7965.00 | $9092.56 |  | 8.991% | XXXXX | XXXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $9160.92 | $839.04 | $763.41 | $69.92 |  |  |  |  |  | 25.893% | 25.893% | 25.893% | XXXXX | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $7965.00 |  | 6.650% | $0.00 | 1.5 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 1 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069642 | XXXXX |  | Non QM |  |  |  | Yes | No | $6973.68 | $6625.09 |  | 7.789% | XXXXX | XXXXX | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3156.72 | $4317.96 | $263.06 | $359.83 |  |  |  |  |  | 40.395% | 40.395% | 40.395% | XXXXX | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6973.68 |  | 6.650% | $0.00 | 2.4 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 80.62 |  |  | No |  | $10431.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067080 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $3611.88 |  | 7.104% | XXXXX | XXXXX | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $2600.52 | $5583.96 | $216.71 | $465.33 |  |  |  |  |  | 19.822% | 19.822% | 19.822% | XXXXX | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $0.00 | 1.2 |  |  |  | No | No | 7.000% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 87.000% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 73.33 |  | No | No |  | $0.00 | $17060.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069286 | XXXXX |  | N/A |  |  |  | No | No | $1951.25 | $4883.91 |  | 8.150% | XXXXX | XXXXX | 8.000% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $7384.44 | $1421.04 | $615.37 | $118.42 |  |  |  |  |  | 32.085% | 32.085% | 32.085% | XXXXX | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1951.25 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 64.000% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.73 |  | No | No |  | $0.00 | $20092.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070644 | XXXXX |  | Non QM |  |  |  | Yes | No | $10885.00 | $15816.51 |  | 7.669% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $60734.64 | $3378.12 | $5061.22 | $281.51 |  |  |  |  |  | 25.891% | 25.891% | 25.891% | XXXXX | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10885.00 |  | 6.650% | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070346 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1322.88 | $1077.96 | $110.24 | $89.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XXXXX | XXXXX | 74.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 68.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069258 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5272.20 | $2100.00 | $439.35 | $175.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000070256 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $9238.32 | $981.00 | $769.86 | $81.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068130 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2315.88 | $992.04 | $192.99 | $82.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX | 31.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070099 | XXXXX |  | Non QM |  |  |  | Yes | No | $19831.35 | $20444.82 |  | 7.804% | XXXXX | XXXXX | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3176.52 | $4695.00 | $264.71 | $391.25 |  |  |  |  |  | 23.162% | 23.162% | 23.162% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $19831.35 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069409 | XXXXX |  | Non QM |  |  |  | Yes | No | $17422.81 | $6311.31 |  | 7.686% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $8610.84 | $2202.96 | $717.57 | $183.58 |  |  |  |  |  | 30.841% | 30.841% | 30.841% | XXXXX | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $17422.81 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070202 | XXXXX |  | Non QM |  |  |  | Yes | No | $16030.00 | $6808.84 |  | 7.957% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $19784.16 | $3960.84 | $1648.68 | $330.07 |  |  |  |  |  | 36.828% | 36.828% | 36.828% | XXXXX | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $16030.00 |  | 6.620% | $0.00 | 3.5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000060201 | XXXXX |  | N/A |  |  |  | No | No | $28114.37 | $16631.43 |  | 8.117% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $6782.64 | $2084.04 | $565.22 | $173.67 |  |  |  |  |  | 20.819% | 20.819% | 20.819% | XXXXX | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $28114.37 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068368 | XXXXX |  | Non QM |  |  |  | Yes | No | $2190.00 | $4013.00 |  | 7.921% | XXXXX | XXXXX | 8.355% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3764.76 | $3282.00 | $313.73 | $273.50 |  |  |  |  |  | 29.499% | 30.358% | 29.499% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2190.00 |  | 6.850% | $0.00 | 1 |  |  |  | Yes | No | 8.355% | 1 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 60.000% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070271 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $35564.52 | $5763.96 | $2963.71 | $480.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000070878 | XXXXX |  | N/A |  |  |  | No | No | $9707.56 | $6060.98 |  | 7.911% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3375.00 | $1201.08 | $281.25 | $100.09 |  |  |  |  |  | 26.472% | 26.472% | 26.472% | XXXXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9707.56 |  | 6.650% | $5000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 72.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067581 | XXXXX |  | Non QM |  |  |  | Yes | No | $0.00 | $1495.78 |  | 7.041% | XXXXX | XXXXX | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $1191.12 | $3887.04 | $99.26 | $323.92 |  |  |  |  |  | 39.558% | 39.558% | 39.558% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.850% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 281.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069541 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2555.88 | $2039.88 | $212.99 | $169.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | XXXXX | XXXXX | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000069530 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.625% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $3726.36 | $1253.64 | $310.53 | $104.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXXX | XXXXX | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000071468 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1412.40 | $644.04 | $117.70 | $53.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 293.28 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000068831 | XXXXX |  | Non QM |  |  |  | Yes | No | $2715.00 | $6072.50 |  | 7.078% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $14324.04 | $773.04 | $1193.67 | $64.42 |  |  |  |  |  | 32.308% | 32.308% | 32.308% | XXXXX | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2715.00 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 37.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.16 |  | No | No |  | $11488.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070928 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $11322.36 | $1691.04 | $943.53 | $140.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070094 | XXXXX |  | Non QM |  |  |  | Yes | No | $14957.50 | $3695.25 |  | 8.381% | XXXXX | XXXXX | 9.329% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $19896.48 | $1931.16 | $1658.04 | $160.93 |  |  |  |  |  | 41.583% | 40.024% | 41.583% | XXXXX | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $14957.50 |  | 6.820% | $0.00 | 1.6 |  |  |  | Yes | No | 9.329% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 10.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070917 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $2648.06 |  | 6.637% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $15744.96 | $11793.00 | $1312.08 | $982.75 |  |  |  |  |  | 39.567% | 39.567% | 39.567% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $0.00 | 2.7 |  |  |  | No | No | 6.625% | 2 |  | 2 | 0 | 3 | 2 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068230 | XXXXX |  | Non QM |  |  |  | Yes | No | $575.00 |  |  | 6.367% | XXXXX | XXXXX | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7713.72 | $2004.96 | $642.81 | $167.08 |  |  |  |  |  | 31.272% | 31.272% | 31.272% | XXXXX | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $575.00 |  | 6.850% | $25000.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068800 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2460.00 | $1311.00 | $205.00 | $109.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.98 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000069355 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1698.36 | $854.04 | $141.53 | $71.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXXX | XXXXX | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 108.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000069427 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1698.36 | $854.04 | $141.53 | $71.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XXXXX | XXXXX | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000068533 | XXXXX |  | Non QM |  |  |  | Yes | No | $0.00 | $69.05 |  | 7.750% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3240.96 | $2884.20 | $270.08 | $240.35 |  |  |  |  |  | 24.633% | 24.633% | 24.633% | XXXXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.730% | $0.00 | 4.8 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070768 | XXXXX |  | N/A |  |  |  | No | No | $1640.00 | $3293.84 |  | 8.158% | XXXXX | XXXXX | 8.334% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $3237.00 | $687.00 | $269.75 | $57.25 |  |  |  |  |  | 39.893% | 39.560% | 39.893% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $5000.00 | 1 |  |  |  | Yes | No | 8.334% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No | 4 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 196.92 |  | No | No |  | ($1353.52) | $21973.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069527 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $2518.59 |  | 7.058% | XXXXX | XXXXX | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $8178.96 | $3570.00 | $681.58 | $297.50 |  |  |  |  |  | 44.274% | 44.274% | 44.274% | XXXXX | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.730% | $0.00 | 1 |  |  |  | No | No | 7.000% | 3 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.24 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070617 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3540.00 | $648.00 | $295.00 | $54.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX | XXXXX | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.96 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067295 | XXXXX |  | Non QM |  |  |  | Yes | No | $3545.00 | $6115.95 |  | 7.158% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $30804.00 | $3227.40 | $2567.00 | $268.95 |  |  |  |  |  | 38.214% | 38.214% | 38.214% | XXXXX | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3545.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000067616 | XXXXX |  | Non QM |  |  |  | Yes | No | $4489.92 | $6762.48 |  | 7.011% | XXXXX | XXXXX | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $10410.96 | $2657.04 | $867.58 | $221.42 |  |  |  |  |  | 20.815% | 20.815% | 20.815% | XXXXX | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4489.92 |  | 6.850% | $0.00 | 3.2 |  |  |  | Yes | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 78.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070307 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $3854.04 |  | 6.655% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $26925.00 | $2909.64 | $2243.75 | $242.47 |  |  |  |  |  | 42.274% | 42.274% | 42.274% | XXXXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $0.00 | 2.6 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 184.86 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069097 | XXXXX |  | Non QM |  |  |  | Yes | No | $16345.00 | $20872.28 |  | 7.141% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $17003.28 | $1956.96 | $1416.94 | $163.08 |  |  |  |  |  | 38.611% | 38.611% | 38.611% | XXXXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $16345.00 |  | 6.730% | $0.00 | 2.5 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070305 | XXXXX |  | N/A |  |  |  | No | No | $2057.60 | $2811.71 |  | 8.137% | XXXXX | XXXXX | 8.334% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $600.00 | $873.00 | $50.00 | $72.75 |  |  |  |  |  | 36.275% | 35.938% | 36.275% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2057.60 |  | 6.660% | $5000.00 | 1 |  |  |  | N/A | No | 8.334% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 4 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 200.61 |  | Yes | No |  | ($456.85) | $21973.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071556 | XXXXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1495.00 | $2607.10 |  | 6.808% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5468.04 | $3594.96 | $455.67 | $299.58 |  |  |  |  |  | 35.093% | 35.093% | 35.093% | XXXXX | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1495.00 |  | 6.660% | $0.00 | 4.2 | DU |  | ApproveEligible | No | No | 6.750% | 0 |  | 1 | 0 | 0 | 1 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 146.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069685 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $6298.85 |  | 7.411% | XXXXX | XXXXX | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $9499.68 | $5144.88 | $791.64 | $428.74 |  |  |  |  |  | 34.622% | 34.622% | 34.622% | XXXXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.620% | $0.00 | 1.9 |  |  |  | Yes | No | 7.375% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.77 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071789 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $10174.80 | $1420.92 | $847.90 | $118.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XXXXX | XXXXX | 63.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000068066 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2820.12 | $1126.68 | $235.01 | $93.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068833 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $8969.38 |  | 6.834% | XXXXX | XXXXX | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $13749.96 | $2110.92 | $1145.83 | $175.91 |  |  |  |  |  | 35.070% | 35.070% | 35.070% | XXXXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 67.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2014<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.730% | $0.00 | 1.2 |  |  |  | No | No | 6.750% | 0 | 3 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 63.000% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.32 |  |  | No |  | $0.00 | $6823.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071000 | XXXXX |  | Non QM |  |  |  | Yes | No | $8742.00 | $8630.70 |  | 7.024% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $13180.56 | $6318.48 | $1098.38 | $526.54 |  |  |  |  |  | 44.970% | 44.970% | 44.970% | XXXXX | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 71.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8742.00 |  | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.39 |  |  | No |  | $3997.24 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069257 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9144.72 | $969.00 | $762.06 | $80.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXXX | XXXXX | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071548 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7651.08 | $2359.20 | $637.59 | $196.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXXX | XXXXX | 65.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070097 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6125.04 | $0.00 | $510.42 | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072391 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1383.96 | $1057.20 | $115.33 | $88.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072085 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.196% | XXXXX | XXXXX | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 2 | $2216.76 | $940.68 | $184.73 | $78.39 |  |  |  |  |  | 19.445% | 19.445% | 19.445% | XXXXX | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.660% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 91.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 100.8 |  |  | No |  | $0.00 | $11666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069725 | XXXXX |  | Non QM |  |  |  | Yes | No | $6037.95 | $7821.45 |  | 6.873% | XXXXX | XXXXX | 6.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $6337.56 | $1184.16 | $528.13 | $98.68 |  |  |  |  |  | 41.841% | 41.841% | 41.841% | XXXXX | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6037.95 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 73.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 59.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070846 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $10324.04 |  | 7.658% | XXXXX | XXXXX | 8.334% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $28021.68 | $3341.04 | $2335.14 | $278.42 |  |  |  |  |  | 41.642% | 41.878% | 41.642% | XXXXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.790% | $0.00 | 2.9 |  |  |  | No | No | 8.334% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 55.000% | No |  | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.84 |  | No | No |  | $0.00 | $22833.82 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071858 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $17812.56 | $1617.96 | $1484.38 | $134.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | XXXXX | XXXXX | 81.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 239.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072342 | XXXXX |  | Non QM |  |  |  | Yes | No | $5395.00 | $6552.96 |  | 6.982% | XXXXX | XXXXX | 6.625% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $4343.04 | $1683.48 | $361.92 | $140.29 |  |  |  |  |  | 26.750% | 26.750% | 26.750% | XXXXX | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5395.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 64.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073088 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1537.56 | $729.00 | $128.13 | $60.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XXXXX | XXXXX | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.35 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000068284 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3945.72 | $981.00 | $328.81 | $81.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 552.56 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000070840 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $8834.68 |  | 6.811% | XXXXX | XXXXX | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $27692.40 | $1280.52 | $2307.70 | $106.71 |  |  |  |  |  | 42.380% | 42.380% | 42.380% | XXXXX | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.650% | $0.00 | 1.5 |  |  |  | No | No | 6.750% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 56.000% | No | 26 | 15 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 92.39 |  | Yes | No |  | $0.00 | $10833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068437 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $309.96 | $2025.00 | $25.83 | $168.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000073417 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $3679.80 | $2312.04 | $306.65 | $192.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XXXXX | XXXXX | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.5 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070555 | XXXXX |  | Non QM |  |  |  | Yes | No | $3590.00 | $4746.52 |  | 7.072% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5025.00 | $2020.08 | $418.75 | $168.34 |  |  |  |  |  | 42.252% | 42.252% | 42.252% | XXXXX | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3590.00 |  | 6.650% | $0.00 | 2.6 |  |  |  | No | No | 6.875% | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 128.11 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068874 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $13938.96 | $3141.00 | $1161.58 | $261.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XXXXX | XXXXX | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000073006 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $11450.88 | $4020.96 | $954.24 | $335.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.02 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072208 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $10983.72 | $1191.96 | $915.31 | $99.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXXX | XXXXX | 64.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.33 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071346 | XXXXX |  | Non QM |  |  |  | Yes | No | $3585.00 | $17960.69 |  | 7.914% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $33125.04 | $2874.60 | $2760.42 | $239.55 |  |  |  |  |  | 31.681% | 31.681% | 31.681% | XXXXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3585.00 |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 41.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073035 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $5969.64 | $1823.04 | $497.47 | $151.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | XXXXX | XXXXX | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.97 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072107 | XXXXX |  | Non QM |  |  |  | Yes | No | $5108.00 | $3871.53 |  | 6.980% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $13130.04 | $2145.96 | $1094.17 | $178.83 |  |  |  |  |  | 33.924% | 33.924% | 33.924% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5108.00 |  | 6.050% | $0.00 | 3.6 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.74 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072634 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9443.64 | $831.96 | $786.97 | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  |  |  |  |  |  | XXXXX | XXXXX | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000063565 | XXXXX |  | Non QM |  |  |  | Yes | No | $10070.08 | $4287.15 |  | 8.626% | XXXXX | XXXXX | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $7247.04 | $1884.00 | $603.92 | $157.00 |  |  |  |  |  | 22.695% | 22.695% | 22.695% | XXXXX | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10070.08 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 50.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070483 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3000.00 | $957.00 | $250.00 | $79.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  |  |  |  |  | XXXXX | XXXXX | 42.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.38 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070970 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4275.84 | $2584.56 | $356.32 | $215.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000073071 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1584.60 | $1317.36 | $132.05 | $109.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | XXXXX | XXXXX | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072331 | XXXXX |  | N/A |  |  |  | No | No | $18870.02 | $16166.13 |  | 7.657% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5837.52 | $2734.32 | $486.46 | $227.86 |  |  |  |  |  | 44.913% | 44.913% | 44.913% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $18870.02 |  | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 34.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068433 | XXXXX |  | Non QM |  |  |  | Yes | No | $5064.00 | $3628.67 |  | 7.843% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $905.88 | $740.04 | $75.49 | $61.67 |  |  |  |  |  | 42.543% | 42.543% | 42.543% | XXXXX | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $5064.00 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070382 | XXXXX |  | N/A |  |  |  | No | No | $4411.35 | $6294.65 |  | 8.894% | XXXXX | XXXXX | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $4449.96 | $732.00 | $370.83 | $61.00 |  |  |  |  |  | 20.659% | 20.659% | 20.659% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4411.35 |  | 6.650% | $500.00 | 1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073413 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $19350.00 | $1449.00 | $1612.50 | $120.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XXXXX | XXXXX | 68.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073678 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6601.92 | $456.96 | $550.16 | $38.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.49 |  |  |  |  |  |  |  | XXXXX | XXXXX | 62.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.63 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073278 | XXXXX |  | Non QM |  |  |  | Yes | No | $5115.00 | $12723.28 |  | 8.823% | XXXXX | XXXXX | 8.834% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 2 | $9546.60 | $4782.00 | $795.55 | $398.50 |  |  |  |  |  | 39.762% | 44.188% | 39.762% | XXXXX | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $5115.00 |  | 6.770% | $0.00 |  |  |  |  | N/A | No | 8.834% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 27.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072988 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $10161.24 | $1431.96 | $846.77 | $119.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | XXXXX | XXXXX | 45.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.89 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000074168 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $311.04 | $389.04 | $25.92 | $32.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 140.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000067769 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $477.36 | $1636.56 | $39.78 | $136.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.95 | 0.34 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000068455 | XXXXX |  | Non QM |  |  |  | Yes | No | $1640.00 | $12308.40 |  | 7.145% | XXXXX | XXXXX | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $39139.68 | $3697.92 | $3261.64 | $308.16 |  |  |  |  |  | 35.194% | 35.194% | 43.941% | XXXXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1640.00 |  | 6.730% | $5000.00 | 2.6 |  |  |  | No | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXXX | XXXXX | 47.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.42 |  |  | No |  | $0.00 | $15833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072707 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2116.92 | $1058.04 | $176.41 | $88.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 103.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000071243 | XXXXX |  | Non QM |  |  |  | Yes | No | $1664.55 | $3354.71 |  | 7.057% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $4956.00 | $983.04 | $413.00 | $81.92 |  |  |  |  |  | 31.038% | 31.038% | 31.038% | XXXXX | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1664.55 |  | 6.660% | $0.00 | 1.2 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 124.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071615 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4195.56 | $1566.00 | $349.63 | $130.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  | 240 | XXXXX | XXXXX | 68.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071762 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $2086.44 | $2499.00 | $173.87 | $208.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 113.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000071302 | XXXXX |  | Non QM |  |  |  | Yes | No | $5235.00 | $6527.82 |  | 7.880% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3528.00 | $2163.60 | $294.00 | $180.30 |  |  |  |  |  | 40.139% | 40.139% | 40.139% | XXXXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5235.00 |  | 6.660% | $0.00 | 1.8 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073708 | XXXXX |  | N/A |  |  |  | No | No | $9985.00 | $4300.95 |  | 7.595% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $4875.00 | $2625.72 | $406.25 | $218.81 |  |  |  |  |  | 36.851% | 36.851% | 36.851% | XXXXX | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 131.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9985.00 |  | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 151.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072733 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 7.224% | XXXXX | XXXXX | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 2 | $5634.72 | $1317.96 | $469.56 | $109.83 |  |  |  |  |  | 31.974% | 31.974% | 31.974% | XXXXX | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.650% | $6100.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | 7.250% | 1 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 49.000% | No | 27 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 81.97 |  | No | No |  | $0.00 | $8333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073240 | XXXXX |  | Non QM |  |  |  | Yes | No | $7435.04 | $9620.99 |  | 9.459% | XXXXX | XXXXX | 9.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $5624.04 | $1668.00 | $468.67 | $139.00 |  |  |  |  |  | 14.710% | 14.710% | 14.710% | XXXXX | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7435.04 |  | 6.650% | $7300.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070954 | XXXXX |  | Non QM |  |  |  | Yes | No | $10866.00 | $12929.46 |  | 7.888% | XXXXX | XXXXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $2635.44 | $1389.00 | $219.62 | $115.75 |  |  |  |  |  | 39.670% | 36.284% | 39.670% | XXXXX | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10866.00 |  | 6.650% | $0.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 360 | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072371 | XXXXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12986.88 | $16158.33 |  | 7.111% | XXXXX | XXXXX | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $5361.60 | $4112.88 | $446.80 | $342.74 |  |  |  |  |  | 42.691% | 42.691% | 42.691% | XXXXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $12986.88 |  | 6.620% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXXX | XXXXX | 43.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072630 | XXXXX |  | Non QM |  |  |  | Yes | No | $1690.00 | $4608.88 |  | 7.957% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $5843.28 | $921.00 | $486.94 | $76.75 |  |  |  |  |  | 34.073% | 34.073% | 34.073% | XXXXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1690.00 |  | 6.650% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070839 | XXXXX |  | Non QM |  |  |  | Yes | No | $35753.92 | $12264.47 |  | 6.944% | XXXXX | XXXXX | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXXX | XXXXX |  |  | XXXXX | 1 | $9088.92 | $1740.96 | $757.41 | $145.08 |  |  |  |  |  | 37.178% | 37.178% | 37.178% | XXXXX | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 71.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 71.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 71.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 71.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $35753.92 |  | 6.650% | $15990.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 26.96 |  | No | No |  | $16945.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072537 | XXXXX |  | Non QM |  |  |  | Yes | No | $1763.20 | $13148.25 |  | 7.036% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $30928.44 | $1320.96 | $2577.37 | $110.08 |  |  |  |  |  | 42.111% | 42.111% | 42.111% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1763.20 |  | 6.650% | $5000.00 | 5 |  |  |  | No | No | 7.000% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 44.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072894 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $18682.92 | $2409.00 | $1556.91 | $200.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069695 | XXXXX |  | Non QM |  |  |  | Yes | No | $12465.00 | $20328.87 |  | 8.226% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $15164.40 | $2293.08 | $1263.70 | $191.09 |  |  |  |  |  | 33.901% | 33.901% | 33.901% | XXXXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $12465.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 18.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 12.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073097 | XXXXX |  | Non QM |  |  |  | Yes | No | $6803.50 | $10633.70 |  | 8.152% | XXXXX | XXXXX | 8.334% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $9003.12 | $1781.04 | $750.26 | $148.42 |  |  |  |  |  | 39.524% | 42.695% | 39.524% | XXXXX | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6803.50 |  | 6.770% | $0.00 | 1.1 |  |  |  | N/A | No | 8.334% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072179 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $10646.52 | $1413.00 | $887.21 | $117.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073022 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6710.76 | $1819.80 | $559.23 | $151.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.51 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000074375 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $17812.80 | $2922.48 | $1484.40 | $243.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 30.08 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072321 | XXXXX |  | N/A |  |  |  | No | Yes | $1590.00 | $2917.65 |  | 6.870% | XXXXX | XXXXX | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $3237.60 | $813.36 | $269.80 | $67.78 |  |  |  |  |  | 42.705% | 42.705% | 42.705% | XXXXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1590.00 |  | 6.650% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 84.000% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071967 | XXXXX |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 7.220% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $4991.88 | $813.00 | $415.99 | $67.75 |  |  |  |  |  | 18.002% | 18.002% | 18.002% | XXXXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.660% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.250% | 0 |  | 2 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 217.99 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072604 | XXXXX |  | Non QM |  |  |  | Yes | No | $3186.21 | $2176.27 |  | 7.803% | XXXXX | XXXXX | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $3799.08 | $1152.96 | $316.59 | $96.08 |  |  |  |  |  | 32.733% | 32.733% | 32.733% | XXXXX | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3186.21 |  | 6.650% | $0.00 | 2.5 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 35.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070169 | XXXXX |  | Non QM |  |  |  | Yes | No | $27835.80 | $3533.60 |  | 7.877% | XXXXX | XXXXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $6556.92 | $2502.96 | $546.41 | $208.58 |  |  |  |  |  | 29.926% | 29.926% | 29.926% | XXXXX | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $27835.80 |  | 6.620% | $14618.09 | 2.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073868 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $2123.40 | $3145.44 | $176.95 | $262.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.52 | 0.4 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.71 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000071164 | XXXXX |  | Non QM |  |  |  | Yes | No | $6404.06 | $9445.25 |  | 7.081% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXXX | 1 | $14975.04 | $3074.04 | $1247.92 | $256.17 |  |  |  |  |  | 29.827% | 29.827% | 29.827% | XXXXX | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $6404.06 |  | 6.650% | $4480.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 3 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 78.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.56 |  | Yes | No |  | $0.00 | $5144.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000069951 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4054.80 | $1763.04 | $337.90 | $146.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | XXXXX | XXXXX | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072459 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12035.88 | $1569.00 | $1002.99 | $130.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| XXXXX | 4000073119 | XXXXX |  | Non QM |  |  |  | Yes | No | $11265.80 | $16671.69 |  | 7.167% | XXXXX | XXXXX | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $16313.52 | $1120.08 | $1359.46 | $93.34 |  |  |  |  |  | 44.054% | 44.054% | 44.054% | XXXXX | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $11265.80 |  | 6.620% | $0.00 | 1.9 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 17.000% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.21 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071777 | XXXXX |  | Non QM |  |  |  | Yes | No | $2565.00 | $7756.17 |  | 7.070% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $16982.64 | $159.96 | $1415.22 | $13.33 |  |  |  |  |  | 30.628% | 30.628% | 30.628% | XXXXX | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2023 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2565.00 |  | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 27.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 40.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 14.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073501 | XXXXX |  | Non QM |  |  |  | Yes | No | $2300.00 | $8123.70 |  | 8.348% | XXXXX | XXXXX | 8.345% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXXX | XXXXX |  |  | XXXXX | 1 | $19200.00 | $3537.00 | $1600.00 | $294.75 |  |  |  |  |  | 38.147% | 37.884% | 38.147% | XXXXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2300.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 8.345% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 29.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 15.72 |  | Yes | No |  | $0.00 | $14400.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071177 | XXXXX |  | Exempt from ATR | Non QM | Yes |  | Yes | No | $9982.50 | $12017.71 |  | 7.384% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $12573.48 | $969.96 | $1047.79 | $80.83 |  |  |  |  |  | 34.863% | 34.863% | 34.863% | XXXXX | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9982.50 |  | 6.650% | $0.00 | 1.8 |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072404 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $767.40 | $1395.48 | $63.95 | $116.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | XXXXX | XXXXX | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.54 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000074119 | XXXXX |  | Non QM |  |  |  | Yes | No | $9627.00 | $14599.05 |  | 7.463% | XXXXX | XXXXX | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $9487.56 | $731.04 | $790.63 | $60.92 |  |  |  |  |  | 42.644% | 42.644% | 42.644% | XXXXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9627.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 3.000% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073238 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1919.76 | $4577.04 | $159.98 | $381.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | XXXXX | XXXXX | 38.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000073983 | XXXXX |  | Non QM |  |  |  | Yes | No | $5891.25 | $8108.52 |  | 7.479% | XXXXX | XXXXX | 7.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $11237.52 | $336.96 | $936.46 | $28.08 |  |  |  |  |  | 31.617% | 31.617% | 31.617% | XXXXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5891.25 |  | 6.700% | $0.00 | 1.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 12.000% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 1.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074087 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6789.36 | $1447.56 | $565.78 | $120.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072296 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1734.60 | $732.96 | $144.55 | $61.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V8 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.07 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000070138 | XXXXX |  | Non QM |  |  |  | Yes | No | $10000.01 | $12103.04 |  | 7.087% | XXXXX | XXXXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $6011.28 | $3073.20 | $500.94 | $256.10 |  |  |  |  |  | 28.666% | 28.666% | 28.666% | XXXXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10000.01 |  | 6.620% | $0.00 | 2.6 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073307 | XXXXX |  | Non QM |  |  |  | Yes | No | $5591.25 | $1497.86 |  | 7.750% | XXXXX | XXXXX | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7765.20 | $1488.12 | $647.10 | $124.01 |  |  |  |  |  | 30.832% | 30.832% | 30.832% | XXXXX | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5591.25 |  | 6.620% | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.76 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072824 | XXXXX |  | Non QM |  |  |  | Yes | No | $7110.00 | $250.00 |  | 7.227% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $13250.04 | $2175.00 | $1104.17 | $181.25 |  |  |  |  |  | 18.263% | 18.263% | 18.263% | XXXXX | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $7110.00 |  | 6.650% | $0.00 | 1.1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 17.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072686 | XXXXX |  | Non QM |  |  |  | Yes | No | $11468.65 | $4147.85 |  | 7.185% | XXXXX | XXXXX | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7575.00 | $1284.00 | $631.25 | $107.00 |  |  |  |  |  | 22.322% | 22.322% | 22.322% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $11468.65 |  | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 0.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074092 | XXXXX |  | N/A |  |  |  | No | No | $4849.54 | $4358.31 |  | 8.970% | XXXXX | XXXXX | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXXX |  |  |  | XXXXX | 1 | $1791.60 | $387.00 | $149.30 | $32.25 |  |  |  |  |  | 44.749% | 44.749% | 44.749% | XXXXX | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4849.54 |  | 6.700% | $7497.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 55.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073790 | XXXXX |  | Non QM |  |  |  | Yes | No | $2365.00 | $4302.40 |  | 8.622% | XXXXX | XXXXX | 8.834% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXXX | 1 | $2895.24 | $788.04 | $241.27 | $65.67 |  |  |  |  |  | 35.918% | 38.660% | 35.918% | XXXXX | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $2365.00 |  | 6.780% | $10000.00 |  |  |  |  | N/A | No | 8.834% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 28.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073676 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $9395.76 | $1095.96 | $782.98 | $91.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | XXXXX | XXXXX | 45.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.22 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074646 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6682.80 | $698.04 | $556.90 | $58.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | XXXXX | XXXXX | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.87 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000073799 | XXXXX |  | N/A |  |  |  | No | No | $21360.00 | $10654.37 |  | 8.265% | XXXXX | XXXXX | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $4356.36 | $1063.20 | $363.03 | $88.60 |  |  |  |  |  | 18.715% | 18.715% | 18.715% | XXXXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $21360.00 |  | 6.700% | $10000.00 | 1.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.79 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073798 | XXXXX |  | Non QM |  |  |  | Yes | No | $4515.00 | $7724.42 |  | 7.431% | XXXXX | XXXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $7500.00 | $1320.00 | $625.00 | $110.00 |  |  |  |  |  | 29.125% | 29.125% | 29.125% | XXXXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2023 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4515.00 |  | 6.700% | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 27.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 76.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073026 | XXXXX |  | Non QM |  |  |  | Yes | No | $9255.00 | $13075.83 |  | 7.311% | XXXXX | XXXXX | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10218.72 | $2562.96 | $851.56 | $213.58 |  |  |  |  |  | 42.644% | 42.644% | 42.644% | XXXXX | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $9255.00 |  | 6.650% | $0.00 | 2.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 26.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000073451 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4867.44 | $1569.96 | $405.62 | $130.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | XXXXX | XXXXX | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| XXXXX | 4000072366 | XXXXX |  | N/A |  |  |  | No | No | $37391.00 | $9362.76 |  | 7.717% | XXXXX | XXXXX | 7.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $10794.96 | $4776.00 | $899.58 | $398.00 |  |  |  |  |  | 40.816% | 40.816% | 40.816% | XXXXX | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $37391.00 |  | 6.620% | $0.00 | 2.2 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074502 | XXXXX |  | N/A |  |  |  | No | No |  |  |  |  | XXXXX | XXXXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6006.84 | $1131.00 | $500.57 | $94.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | XXXXX | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | XXXXX | XXXXX | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000075312 | XXXXX |  | Non QM |  |  |  | Yes | No | $10940.00 | $13728.76 |  | 7.328% | XXXXX | XXXXX | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 4 | $10523.52 | $6749.04 | $876.96 | $562.42 |  |  |  |  |  | 41.340% | 41.340% | 41.340% | XXXXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $10940.00 |  | 6.810% | $5000.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 11.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074552 | XXXXX |  | Non QM |  |  |  | Yes | No | $21895.00 | $8877.60 |  | 7.566% | XXXXX | XXXXX | 7.584% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $22591.20 | $1134.96 | $1882.60 | $94.58 |  |  |  |  |  | 39.883% | 40.694% | 39.883% | XXXXX | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $21895.00 |  | 6.810% | $0.00 |  |  |  |  | N/A | No | 7.584% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000070378 | XXXXX |  | Non QM |  |  |  | Yes | No | $27452.50 | $23857.10 |  | 7.480% | XXXXX | XXXXX | 7.584% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $14938.92 | $1668.96 | $1244.91 | $139.08 |  |  |  |  |  | 33.350% | 36.396% | 33.350% | XXXXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $27452.50 |  | 6.810% | $0.00 | 2.8 |  |  |  | N/A | No | 7.584% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000072135 | XXXXX |  | Non QM |  |  |  | Yes | No | $36720.00 | $46689.75 |  | 6.822% | XXXXX | XXXXX | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $20569.68 | $2054.52 | $1714.14 | $171.21 |  |  |  |  |  | 43.991% | 34.877% | 43.991% | XXXXX | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $36720.00 |  | 6.650% | $0.00 | 2.9 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000074213 | XXXXX |  | Non QM |  |  |  | Yes | No | $20816.00 | $21337.52 |  | 7.901% | XXXXX | XXXXX | 7.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $16304.40 | $4847.04 | $1358.70 | $403.92 |  |  |  |  |  | 39.198% | 39.198% | 39.198% | XXXXX | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $20816.00 |  | 6.700% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXXX | 4000071076 | XXXXX |  | Non QM |  |  |  | Yes | No | $2550.60 | $7093.73 |  | 8.322% | XXXXX | XXXXX | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXXX | 1 | $15013.20 | $2883.96 | $1251.10 | $240.33 |  |  |  |  |  | 24.004% | 24.004% | 24.004% | XXXXX | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2550.60 |  | 6.650% | $0.00 | 2.6 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.06

**Exhibit 99.06**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** |  |
| XXXX | 4000029178 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5000.00 | Rent on Existing Lease | $3002.02 |  | 0.000000 | 0.6 |  |  | 1.67 | 1.67 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $5000.00 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26590.00 |  |  | $510.12 | $146.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.77 |  |  | 674 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000047785 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $2683.71 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1825.00 | $1650.00 | Yes | XXXX | XXXX | 11 | Long Term | $1795.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36000.00 |  |  | $541.67 | $165.85 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LP | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000056379 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3900.00 | Third Party Rental Source | $3975.85 |  | 0.000000 | 1.02 |  |  | 0.98 | 0.98 | XXXX |  |  | No |  |  |  | Long Term |  | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $51500.00 |  |  | $336.92 | $380.13 | Level 3-Stated/Partially Verified | No | 1 | 14 | No | No |  | Experienced Investor |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 758 | XXXX | 732 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000060757 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1560.00 | Third Party Rental Source | $1405.80 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | XXXX |  |  | No |  |  |  | Long Term |  | $1560.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 |  |  | $184.90 | $238.57 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 810 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000059754 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1200.00 | Third Party Rental Source | $1298.65 |  | 0.000000 | 1.08 |  |  | 0.92 | 0.92 | XXXX |  |  | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 |  |  | $155.08 | $37.42 | Level 1-Not Stated/Not Verified | No | 1 | 10 | No |  |  | Experienced Investor |  |  |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000054382 | XXXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $6144.00 | Third Party Rental Source | $6038.98 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | XXXX |  |  | No |  |  |  | Short Term |  | $6144.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $183200.00 |  |  | $783.50 | $355.00 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 1.12 |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062391 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3950.00 | Third Party Rental Source | $5902.26 |  | 0.000000 | 1.49 |  |  | 0.67 | 0.67 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4400.00 | $3950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $1447.75 | $353.13 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor | 10.05 | US Citizen |  | 680 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 645 | XXXX | 682 | FICO Classic V5 Facta | 680 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062005 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $9843.21 |  | 0.385771 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $750.01 | $175.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.88 | US Citizen |  | 723 |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 723 | XXXX | 723 | FICO Classic V5 Facta | 713 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062783 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $3320.81 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | XXXX |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $57800.00 |  |  | $515.63 | $84.00 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 797 | XXXX | 808 | FICO Classic V5 Facta | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064595 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $2166.91 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28600.00 |  |  | $456.12 | $115.42 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor | 8.22 | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 716 | XXXX | 722 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062059 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4000.00 | Rent on Existing Lease | $4158.38 |  | 0.000000 | 1.04 |  |  | 0.96 | 0.96 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $58520.00 |  |  | $954.49 | $87.33 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor | 0.66 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063988 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Rent on Existing Lease | $1570.03 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1000.00 | $1050.00 | Yes | XXXX | XXXX | 11 | Long Term | $1000.00 | $1050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 |  |  | $186.49 | $146.08 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 0.94 |  |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000051648 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5700.00 | Third Party Rental Source | $4397.16 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | XXXX |  |  | No |  |  |  | Long Term |  | $5700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 |  |  | $819.71 | $123.33 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.52 |  |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063976 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $1911.29 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2500.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21800.00 |  |  | $192.28 | $104.92 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.98 |  |  | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063281 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $7378.35 |  | 0.271275 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $982.81 | $182.54 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  | 3.86 | US Citizen | US Citizen | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 783 | XXXX | 758 | FICO Classic V5 Facta | 805 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 780 | XXXX | 808 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000063171 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7200.00 | Rent on Existing Lease | $7149.25 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | Yes | XXXX | XXXX | 8 | Long Term | $3700.00 | $3800.00 | Yes | XXXX | XXXX | 12 | Long Term | $3500.00 | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $72800.00 |  |  | $1327.04 | $202.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.68 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062006 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1286.20 |  | 0.176839 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $117.30 | $144.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 756 | XXXX | 782 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066439 | XXXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $2000.00 | Third Party Rental Source | $1144.06 |  | 0.000000 | 0.57 |  |  | 1.75 | 1.75 | XXXX |  |  | No |  |  |  | Short Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 |  |  | $157.26 | $118.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066845 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5000.00 | Third Party Rental Source | $2749.51 |  | 0.000000 | 0.55 |  |  | 1.82 | 1.82 | XXXX |  |  | No |  |  |  | Long Term |  | $1250.00 | Yes | XXXX | XXXX | 12 | Long Term | $1250.00 | $1250.00 | No |  |  |  | Long Term |  | $1250.00 | Yes | XXXX | XXXX | 12 | Long Term | $1250.00 | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70000.00 |  |  | $155.33 | $297.33 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.79 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | LLC | Guarantor - Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065846 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1171.15 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | XXXX |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30600.00 |  |  | $121.49 | $180.67 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 740 | FICO II | 714 | Beacon 5 | 730 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066499 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1550.00 | Rent on Existing Lease | $1631.34 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | XXXX |  |  | Yes | XXXX | XXXX | 23 | Long Term | $1550.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $6000.00 |  |  | $258.26 | $54.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 26.47 | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 758 | XXXX | 675 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066502 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2650.00 | Third Party Rental Source | $2509.54 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | XXXX |  |  | No |  |  |  | Long Term |  | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $475.66 | $97.00 | Level 4-Stated/Verified as defined | No | 1 | 23 | No | No |  | Experienced Investor |  | US Citizen |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 743 | XXXX | 779 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064621 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2950.00 | Third Party Rental Source | $2066.88 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | XXXX |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $598.44 | $102.25 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor |  |  |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062662 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2252.23 |  | 0.314803 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $221.44 | $225.43 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 814 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 825 | XXXX | 813 | Beacon 5 | 814 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064155 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2950.00 | Third Party Rental Source | $2797.22 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | XXXX |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $57100.00 |  |  | $456.25 | $159.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor | 1.07 | US Citizen |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 782 | FICO II | 768 | Beacon 5 | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064933 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3881.60 |  | 0.223326 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $258.64 | $169.44 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 751 | XXXX | 772 | FICO Classic V5 Facta | 809 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066790 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2754.05 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | XXXX |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $56998.00 |  |  | $799.56 | $138.42 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 679 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 774 | FICO II | 780 | Beacon 5 | 769 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 661 | FICO II | 679 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000067114 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1809.79 |  | 0.344924 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $274.00 | $116.85 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 3.19 | US Citizen |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 751 | XXXX | 718 | FICO Classic V5 Facta | 782 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066245 | XXXX |  |  |  |  |  |  | No | No | Short Term |  |  |  | $8966.66 | Third Party Rental Source | $6955.38 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | XXXX |  |  | No |  |  |  | Short Term |  | $8966.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70000.00 |  |  | $1265.23 | $1088.07 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | First-Time Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 805 | XXXX | 788 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063388 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5600.00 | Rent on Existing Lease | $3539.25 |  | 0.000000 | 0.63 |  |  | 1.58 | 1.58 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1800.00 | $2000.00 | Yes | XXXX | XXXX | 12 | Long Term | $1800.00 | $2350.00 | Yes | XXXX | XXXX | 12 | Long Term | $2000.00 | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $270090.00 |  |  | $496.40 | $245.99 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 665 | XXXX | 668 | FICO Classic V5 Facta | 675 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064382 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1587.98 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26700.00 |  |  | $80.56 | $58.25 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 796 | XXXX | 791 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 808 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000065972 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5075.00 | Multiple Sources | $1923.89 |  | 0.000000 | 0.38 |  |  | 2.64 | 2.64 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1125.00 | $1400.00 | No |  |  |  | Long Term |  | $1400.00 | Yes | XXXX | XXXX | 13 | Long Term | $1100.00 | $1400.00 | Yes | XXXX | XXXX | 12 | Long Term | $1450.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $587.89 | $679.07 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 27.12 | US Citizen |  | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 697 | XXXX | 717 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066945 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2109.92 |  | 0.416145 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $426.64 | $86.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 760 | XXXX | 799 | Beacon 5 | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067947 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2825.00 | Multiple Sources | $2361.69 |  | 0.000000 | 0.84 |  |  | 1.20 | 1.2 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1225.00 | $1600.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38550.00 |  |  | $342.01 | $223.83 | Level 4-Stated/Verified as defined | No | 1 | 12 | No | No |  | Experienced Investor |  | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 758 | XXXX | 675 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067449 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2825.00 | Multiple Sources | $1651.87 |  | 0.000000 | 0.58 |  |  | 1.71 | 1.71 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1325.00 | $1400.00 | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44000.00 |  |  | $239.81 | $267.41 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 794 | XXXX | 801 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063655 | XXXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $7600.00 | Third Party Rental Source | $5139.70 |  | 0.000000 | 0.68 |  |  | 1.48 | 1.48 | XXXX |  |  | No |  |  |  | Short Term |  | $7600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60300.00 |  |  | $578.34 | $537.22 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No | No | Experienced Investor | 0.85 | US Citizen | US Citizen | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 751 | XXXX | 759 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 733 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000066095 | XXXX |  |  |  |  |  |  | No | No | Long Term |  |  |  | $5338.00 | Third Party Rental Source | $4678.49 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | XXXX |  |  | No |  |  |  | Long Term |  | $5338.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $72000.00 |  |  | $351.25 | $831.17 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063427 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2300.00 | Rent on Existing Lease | $1881.20 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2300.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $71200.00 |  |  | $527.72 | $405.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 728 | XXXX | 710 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069664 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6700.00 | Third Party Rental Source | $5722.16 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | XXXX |  |  | No |  |  |  | Long Term |  | $3400.00 | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $1691.12 | $138.17 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 1.08 |  |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067057 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1375.00 | Third Party Rental Source | $800.37 |  | 0.000000 | 0.58 |  |  | 1.72 | 1.72 | XXXX |  |  | No |  |  |  | Long Term |  | $1375.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $133.95 | $86.25 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor |  | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 781 | XXXX | 797 | FICO Classic V5 Facta | 804 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065866 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3090.00 | Rent on Existing Lease | $2555.60 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3090.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $69600.00 |  |  | $429.36 | $80.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.78 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068387 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3150.00 | Third Party Rental Source | $3074.12 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | XXXX |  |  | No |  |  |  | Long Term |  | $3150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45600.00 |  |  | $480.26 | $262.85 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 739 | XXXX | 728 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069716 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2110.00 | Rent on Existing Lease | $2131.47 |  | 0.000000 | 1.01 |  |  | 0.99 | 0.99 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2110.00 | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41393.00 |  |  | $266.09 | $165.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066183 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3729.37 |  | 0.281979 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $661.45 | $184.95 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | XXXX | 775 | XXXX | 768 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066007 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2650.00 | Third Party Rental Source | $2796.62 |  | 0.000000 | 1.06 |  |  | 0.95 | 0.95 | XXXX |  |  | No |  |  |  | Long Term |  | $850.00 | No |  |  |  | Long Term |  | $850.00 | No |  |  |  | Long Term |  | $950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $68560.00 |  |  | $629.25 | $146.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065969 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2802.08 |  | 0.367899 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $470.37 | $61.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | Non-Permanent Resident Alien | VISA |  | Level 4-Stated/Verified as defined | XXXX | 793 | XXXX | 789 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066524 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2570.53 |  | 0.095348 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $345.00 | $133.50 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 789 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066027 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2738.37 |  | 0.292526 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $460.40 | $54.50 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | Non-Permanent Resident Alien | Passport, VISA |  | Level 4-Stated/Verified as defined | XXXX | 801 | XXXX | 807 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068119 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Rent on Existing Lease | $1962.07 |  | 0.000000 | 0.78 |  |  | 1.27 | 1.27 | XXXX |  |  | Yes | XXXX | XXXX | 1 | Long Term | $1150.00 | $1150.00 | Yes | XXXX | XXXX | 1 | Long Term | $1350.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $113931.00 |  |  | $352.27 | $94.58 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor | 8.76 | US Citizen |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 713 | XXXX | 713 | Beacon 5 | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067299 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2589.33 |  | 0.319670 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $140.92 | $21.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 750 | XXXX | 759 | Beacon 5 | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069589 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4857.78 |  | 0.208613 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $767.71 | $117.83 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 790 | XXXX | 796 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068528 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2150.00 | Third Party Rental Source | $2097.70 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | XXXX |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $149.76 | $44.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.08 |  |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068334 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4125.00 | Third Party Rental Source | $3739.16 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | XXXX |  |  | No |  |  |  | Long Term |  | $4125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $150300.00 |  |  | $970.47 | $111.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 773 | XXXX | 761 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066297 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1994.11 |  | 0.443757 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $155.92 | $79.67 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  | 0.59 | Permanent Resident Alien | US Citizen | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | Permanent Resident Alien | Resident Alien Card |  | Level 3-Stated/Partially Verified | XXXX | 717 | XXXX | 660 | Beacon 5 | 681 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 765 | Fair Isaac (VER. 2) | 738 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000068286 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2076.25 |  | 0.339184 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $222.71 | $381.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 764 | XXXX | 778 | Beacon 5 | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069421 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2850.00 | Third Party Rental Source | $2556.96 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | XXXX |  |  | No |  |  |  | Long Term |  | $2850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 |  |  | $33.00 | $288.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | First-Time Investor |  | US Citizen |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | XXXX | 765 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067043 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1400.00 | Third Party Rental Source | $1387.86 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29500.00 |  |  | $96.45 | $166.50 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 790 | XXXX | 793 | Beacon 5 | 814 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 802 | Fair Isaac (VER. 2) | 804 | Beacon 5 | 816 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000068917 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4312.83 |  | 0.442390 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $941.05 | $225.31 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 695 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 736 | XXXX | 704 | Beacon 5 | 704 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 695 | Fair Isaac (VER. 2) | 693 | Beacon 5 | 711 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000067221 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3200.00 | Third Party Rental Source | $3117.71 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | XXXX |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45641.00 |  |  | $804.64 | $157.71 | Level 4-Stated/Verified as defined | No | 1 | 12 | No | No |  | Experienced Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 780 | XXXX | 773 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068201 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2389.42 |  | 0.370245 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $147.00 | $57.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | Permanent Resident Alien | Permanent Resident Alien | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | XXXX | 756 | XXXX | 758 | Beacon 5 | 735 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | XXXX | 800 | Fair Isaac | 803 | Beacon 5 | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000068981 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2439.85 |  | 0.281674 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $662.00 | $153.99 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 779 | XXXX | 762 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067731 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3321.59 |  | 0.380518 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $409.77 | $78.63 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  | 0.72 | Permanent Resident Alien | Permanent Resident Alien | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | Permanent Resident Alien | Resident Alien Card |  | Level 3-Stated/Partially Verified | XXXX | 757 | XXXX | 745 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 5 | Permanent Resident Alien | Resident Alien Card |  | Level 3-Stated/Partially Verified | XXXX | 783 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000068217 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6200.00 | Third Party Rental Source | $6255.48 |  | 0.000000 | 1.01 |  |  | 0.99 | 0.99 | XXXX |  |  | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $108909.00 |  |  | $983.77 | $408.17 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor | 2.25 | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 760 | XXXX | 773 | Beacon 5 | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068073 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1434.98 |  | 0.000000 | 0.84 |  |  | 1.18 | 1.18 | XXXX |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 |  |  | $226.16 | $80.80 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000061621 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $9800.00 | Third Party Rental Source | $9770.67 |  | 0.000000 | 1 |  |  | 1.00 | 1 | XXXX |  |  | No |  |  |  | Long Term |  | $4500.00 | No |  |  |  | Long Term |  | $5300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $110000.00 |  |  | $1254.08 | $84.17 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 697 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 689 | XXXX | 790 | FICO Classic V5 Facta | 697 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069032 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1250.00 | Third Party Rental Source | $1170.10 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | XXXX |  |  | No |  |  |  | Long Term |  | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $113.47 | $72.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Non-Permanent Resident Alien |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 745 | XXXX | 772 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067703 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2239.56 |  | 0.311478 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $399.54 | $78.44 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | Non-Permanent Resident Alien | Employment Authorization | Guatemala | Level 4-Stated/Verified as defined | XXXX | 770 | XXXX | 799 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070105 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1952.66 |  | 0.324408 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $155.92 | $109.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 783 | XXXX | 796 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068177 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $2338.58 |  | 0.000000 | 1.06 |  |  | 0.94 | 0.94 | XXXX |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $68100.00 |  |  | $573.40 | $22.75 | Level 3-Stated/Partially Verified | No | 1 | 11 | No | No |  | Experienced Investor |  | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 738 | XXXX | 741 | Beacon 5 | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070486 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2650.00 | Third Party Rental Source | $2764.08 |  | 0.000000 | 1.04 |  |  | 0.96 | 0.96 | XXXX |  |  | No |  |  |  | Long Term |  | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 |  |  | $471.09 | $76.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 698 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 692 | XXXX | 710 | FICO Classic V5 Facta | 698 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067533 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2928.38 |  | 0.318426 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $223.96 | $128.27 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 736 | XXXX | 738 | Beacon 5 | 773 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069596 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1300.00 | Rent on Existing Lease | $1038.29 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | XXXX |  |  | Yes | XXXX | XXXX | 25 | Long Term | $1300.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12350.00 |  |  | $78.64 | $42.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 4.06 |  |  | 667 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068194 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2700.00 | Third Party Rental Source | $2771.66 |  | 0.000000 | 1.03 |  |  | 0.97 | 0.97 | XXXX |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $112800.00 |  |  | $619.79 | $141.31 | Level 4-Stated/Verified as defined | No | 1 | 12 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 828 | XXXX | 805 | FICO Classic V5 Facta | 809 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 826 | Fair Isaac (VER. 2) | 805 | FICO Classic V5 Facta | 812 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000066415 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4900.00 | Third Party Rental Source | $4861.97 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | Yes | XXXX | XXXX | 38 | Long Term | $5500.00 | $4900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55100.00 |  |  | $352.68 | $153.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor | 2.18 | US Citizen |  | 663 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 681 | XXXX | 663 | FICO Classic V5 Facta | 656 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065809 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1400.00 | Rent on Existing Lease | $1252.20 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1400.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $145.97 | $267.17 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 1.08 | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 772 | XXXX | 771 | FICO Classic V5 Facta | 804 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066993 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7500.00 | Rent on Existing Lease | $7494.67 |  | 0.000000 | 1 |  |  | 1.00 | 1 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $7500.00 | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45800.00 |  |  | $690.72 | $164.25 | Level 3-Stated/Partially Verified | No | 1 | 15 | No | No |  | Experienced Investor | 0.92 | US Citizen |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Trustee |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 795 | XXXX | 778 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067487 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2362.42 |  | 0.210638 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $257.81 | $138.06 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 0.05 | US Citizen | US Citizen | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 800 | XXXX | 785 | Beacon 5 | 789 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 10 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 751 | Fair Isaac (VER. 2) | 777 | Beacon 5 | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000069346 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1043.26 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | XXXX |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $264.45 | $96.67 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 735 | XXXX | 706 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 701 | Fair Isaac (VER. 2) | 693 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000070592 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1695.00 | Third Party Rental Source | $1652.02 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $1750.00 | $1695.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $312.44 | $121.88 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.60 | US Citizen |  | 665 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 659 | XXXX | 665 | Beacon 5 | 680 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069979 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3800.00 | Third Party Rental Source | $3989.50 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | XXXX |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 |  |  | $384.01 | $39.50 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 12.58 | US Citizen |  | 805 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 816 | XXXX | 805 | FICO Classic V5 Facta | 799 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069233 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1983.50 | Rent on Existing Lease | $1545.45 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | XXXX |  |  | Yes | XXXX | XXXX | 3 | Long Term | $1983.50 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 |  |  | $217.56 | $124.64 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.43 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069286 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3422.23 |  | 0.320848 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $615.37 | $118.42 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070346 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1050.00 | Third Party Rental Source | $1048.19 |  | 0.000000 | 1 |  |  | 1.00 | 1 | XXXX |  |  | No |  |  |  | Long Term |  | $1050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $110.24 | $89.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069258 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5500.00 | Third Party Rental Source | $4811.94 |  | 0.000000 | 0.87 |  |  | 1.14 | 1.14 | XXXX |  |  | No |  |  |  | Long Term |  | $5500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $96430.00 |  |  | $439.35 | $175.00 | Level 3-Stated/Partially Verified | No | 1 | 7 | No | No |  | Experienced Investor |  | US Citizen |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 768 | XXXX | 732 | FICO Classic V5 Facta | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070256 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6000.00 | Rent on Existing Lease | $5716.10 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $105400.00 |  |  | $769.86 | $81.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 809 | XXXX | 802 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068130 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2464.67 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37100.00 |  |  | $192.99 | $82.67 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | First-Time Investor |  | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 736 | XXXX | 692 | FICO Classic V5 Facta | 720 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000060201 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5497.16 |  | 0.208185 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $565.22 | $173.67 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 807 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 815 | XXXX | 786 | FICO Classic V5 Facta | 807 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070271 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $33500.00 | Third Party Rental Source | $20247.33 |  | 0.000000 | 0.6 |  |  | 1.65 | 1.65 | XXXX |  |  | No |  |  |  | Long Term |  | $33500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $125000.00 |  |  | $2963.71 | $480.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.25 | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 759 | FICO II | 793 | Beacon 5 | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070878 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1910.17 |  | 0.264724 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $281.25 | $100.09 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 776 | XXXX | 756 | FICO Classic V5 Facta | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069541 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1201.59 |  | 0.000000 | 0.69 |  |  | 1.46 | 1.46 | XXXX |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $212.99 | $169.99 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 725 | XXXX | 697 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069530 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2050.00 | Third Party Rental Source | $1840.01 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | XXXX |  |  | No |  |  |  | Long Term |  | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36000.00 |  |  | $310.53 | $104.47 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071468 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1031.40 |  | 0.000000 | 0.61 |  |  | 1.65 | 1.65 | XXXX |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $117.70 | $53.67 | Level 3-Stated/Partially Verified | No | 1 | 29 | No | No |  | Experienced Investor |  | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 797 | FICO II | 808 | Beacon 5 | 811 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070928 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $8000.00 | Rent on Existing Lease | $7922.97 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4200.00 | $4200.00 | Yes | XXXX | XXXX | 12 | Long Term | $3800.00 | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $160000.00 |  |  | $943.53 | $140.92 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068800 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2125.00 | Third Party Rental Source | $1429.57 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | XXXX |  |  | No |  |  |  | Long Term |  | $2125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28670.00 |  |  | $205.00 | $109.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 779 | XXXX | 769 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069355 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1645.00 | Third Party Rental Source | $1516.95 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | XXXX |  |  | No |  |  |  | Long Term |  | $1645.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $1000.00 |  |  | $141.53 | $71.17 | Level 3-Stated/Partially Verified | No | 1 | 22 | No |  |  | Experienced Investor |  |  |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069427 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1645.00 | Third Party Rental Source | $1516.95 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | XXXX |  |  | No |  |  |  | Long Term |  | $1645.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 |  |  | $141.53 | $71.17 | Level 3-Stated/Partially Verified | No | 1 | 11 | No |  |  | Experienced Investor |  |  |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070768 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2314.67 |  | 0.398926 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $269.75 | $57.25 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 752 | XXXX | 776 | Beacon 5 | 775 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000070617 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1689.14 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $295.00 | $54.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070305 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2222.24 |  | 0.362746 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $50.00 | $72.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 752 | XXXX | 776 | Beacon 5 | 775 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000071789 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4350.00 | Third Party Rental Source | $4267.53 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | XXXX |  |  | No |  |  |  | Long Term |  | $4350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | $847.90 | $118.41 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 807 | FICO II | 808 | Beacon 5 | 808 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 834 | FICO II | 818 | Beacon 5 | 813 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000068066 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1690.08 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2650.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | $235.01 | $93.89 | Level 4-Stated/Verified as defined | No | 1 | 10 | No |  |  | Experienced Investor | 2.97 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069257 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3900.00 | Rent on Existing Lease | $3753.27 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3900.00 | $3950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49300.00 |  |  | $762.06 | $80.75 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor |  |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071548 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3200.00 | Third Party Rental Source | $3023.31 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | XXXX |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $123723.00 |  |  | $637.59 | $196.60 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 707 | XXXX | 733 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070097 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2378.78 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | XXXX |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $510.42 | $0.00 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | XXXX | 793 | FICO Classic V5 Facta | 768 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072391 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $875.00 | Rent on Existing Lease | $885.61 |  | 0.000000 | 1.01 |  |  | 0.99 | 0.99 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $875.00 | $1495.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $53600.00 |  |  | $115.33 | $88.10 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.81 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 771 | XXXX | 769 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072085 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1424.53 |  | 0.194445 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $184.73 | $78.39 | Level 1-Not Stated/Not Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | XXXX | 758 | XXXX | 768 | Beacon 5 | 770 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 772 | Fair Isaac (VER. 2) | 762 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000071858 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $6250.00 | Third Party Rental Source | $4608.24 |  | 0.000000 | 0.74 |  |  | 1.36 | 1.36 | XXXX |  |  | No |  |  |  | Long Term |  | $6250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $1484.38 | $134.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 815 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 825 | FICO II | 809 | Beacon 5 | 815 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 832 | FICO II | 813 | Beacon 5 | 823 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000073088 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1200.00 | Rent on Existing Lease | $1132.09 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | XXXX |  |  | Yes | XXXX | XXXX | 4 | Long Term | $1200.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $128.13 | $60.75 | Level 1-Not Stated/Not Verified | No | 1 | 6 | No |  |  | Experienced Investor |  |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068284 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2995.00 | Rent on Existing Lease | $2993.48 |  | 0.000000 | 1 |  |  | 1.00 | 1 | XXXX |  |  | Yes | XXXX | XXXX | 11 | Long Term | $2995.00 | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49106.00 |  |  | $328.81 | $81.75 | Level 4-Stated/Verified as defined | No | 1 | 28 | No | No |  | Experienced Investor | 0.89 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 810 | XXXX | 769 | Beacon 5 | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068437 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1126.99 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | XXXX |  |  | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 |  |  | $25.83 | $168.75 | Level 1-Not Stated/Not Verified | No | 1 | 11 | No |  |  | Experienced Investor | 0.97 |  |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073417 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2017.95 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | XXXX |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35000.00 |  |  | $306.65 | $192.67 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068874 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5000.00 | Third Party Rental Source | $4863.21 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | XXXX |  |  | No |  |  |  | Long Term |  | $2500.00 | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22300.00 |  |  | $1161.58 | $261.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 725 | XXXX | 722 | Beacon 5 | 711 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073006 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $12200.00 | Rent on Existing Lease | $11018.29 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $4500.00 | $4500.00 | Yes | XXXX | XXXX | 12 | Long Term | $3600.00 | $3600.00 | Yes | XXXX | XXXX | 12 | Long Term | $4100.00 | $4100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $149076.00 |  |  | $954.24 | $335.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 20.92 | US Citizen |  | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 788 | XXXX | 806 | FICO Classic V5 Facta | 802 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072208 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6700.00 | Rent on Existing Lease | $5768.02 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3100.00 | $3100.00 | Yes | XXXX | XXXX | 12 | Long Term | $3600.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $160000.00 |  |  | $915.31 | $99.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 805 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 803 | XXXX | 805 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073035 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5000.00 | Third Party Rental Source | $3361.11 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | XXXX |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $90000.00 |  |  | $497.47 | $151.92 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | XXXX | 798 | XXXX | 809 | FICO Classic V5 Facta | 811 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072634 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4600.00 | Third Party Rental Source | $5636.68 |  | 0.000000 | 1.23 |  |  | 0.82 | 0.82 | XXXX |  |  | No |  |  |  | Long Term |  | $4600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67500.00 |  |  | $786.97 | $69.33 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 701 | XXXX | 692 | FICO Classic V5 Facta | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070483 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1450.00 | Third Party Rental Source | $1619.29 |  | 0.000000 | 1.12 |  |  | 0.90 | 0.9 | XXXX |  |  | No |  |  |  | Long Term |  | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23800.00 |  |  | $250.00 | $79.75 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 726 | XXXX | 766 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070970 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1800.00 | Third Party Rental Source | $1576.59 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | XXXX |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 |  |  | $356.32 | $215.38 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 17.01 | US Citizen |  | 678 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 675 | XXXX | 678 | Beacon 5 | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073071 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1725.00 | Third Party Rental Source | $1366.74 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | XXXX |  |  | No |  |  |  | Long Term |  | $1725.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $132.05 | $109.78 | Level 3-Stated/Partially Verified | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 786 | FICO II | 786 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072331 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3485.93 |  | 0.449129 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $486.46 | $227.86 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 761 | XXXX | 775 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070382 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1839.87 |  | 0.206586 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $370.83 | $61.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 753 | XXXX | 701 | Beacon 5 | 655 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073413 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7000.00 | Rent on Existing Lease | $5102.15 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | XXXX |  |  | Yes | XXXX | XXXX | 24 | Long Term | $3500.00 | $3500.00 | Yes | XXXX | XXXX | 24 | Long Term | $3500.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $160000.00 |  |  | $1612.50 | $120.75 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | First-Time Investor |  | US Citizen |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 760 | XXXX | 781 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073678 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $5900.00 | Third Party Rental Source | $2887.49 |  | 0.000000 | 0.49 |  |  | 2.04 | 2.04 | XXXX |  |  | No |  |  |  | Long Term |  | $5900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70000.00 |  |  | $550.16 | $38.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 789 | XXXX | 770 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072988 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2300.00 | Third Party Rental Source | $2416.52 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | XXXX |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48260.00 |  |  | $846.77 | $119.33 | Level 3-Stated/Partially Verified | No | 1 | 0 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | XXXX | 742 | XXXX | 688 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074168 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2950.00 | Third Party Rental Source | $1713.51 |  | 0.000000 | 0.58 |  |  | 1.72 | 1.72 | XXXX |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $96200.00 |  |  | $25.92 | $32.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.10 | US Citizen |  | 814 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 814 | XXXX | 814 | FICO Classic V5 Facta | 789 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067769 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4700.00 | Multiple Sources | $1591.75 |  | 0.000000 | 0.34 |  |  | 2.95 | 2.95 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2200.00 | $2500.00 | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $39.78 | $136.38 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 701 | XXXX | 702 | Beacon 5 | 683 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072707 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1192.70 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | XXXX |  |  | Yes | XXXX | XXXX | 24 | Long Term | $1500.00 | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20900.00 |  |  | $176.41 | $88.17 | Level 4-Stated/Verified as defined | No | 1 | 17 | No |  |  | Experienced Investor | 6.25 |  |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071615 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2800.00 | Third Party Rental Source | $2185.78 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | XXXX |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $56600.00 |  |  | $349.63 | $130.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 817 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 824 | XXXX | 817 | FICO Classic V5 Facta | 804 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071762 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1728.82 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2400.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27349.00 |  |  | $173.87 | $208.25 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No | No | Experienced Investor | 0.22 | US Citizen | US Citizen | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 780 | FICO II | 781 | Beacon 5 | 750 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 795 | FICO II | 791 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000073708 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2806.61 |  | 0.368508 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $406.25 | $218.81 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | XXXX | 756 | XXXX | 766 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072733 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2148.05 |  | 0.319736 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $469.56 | $109.83 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 791 | XXXX | 796 | Beacon 5 | 796 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 785 | Fair Isaac (VER. 2) | 788 | Beacon 5 | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |
| XXXX | 4000072894 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5775.00 | Rent on Existing Lease | $4566.03 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | XXXX |  |  | Yes | XXXX | XXXX | 13 | Long Term | $5775.00 | $6400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70500.00 |  |  | $1556.91 | $200.75 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor | 0.55 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072179 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $2269.86 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $887.21 | $117.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXXX | 758 | XXXX | 761 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073022 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $2078.53 |  | 0.000000 | 1.04 |  |  | 0.96 | 0.96 | XXXX |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 |  |  | $559.23 | $151.65 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 1.69 | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 705 | XXXX | 687 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074375 | XXXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $12881.25 | Third Party Rental Source | $10289.43 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | XXXX |  |  | No |  |  |  | Short Term |  | $12881.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $1484.40 | $243.54 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.44 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072321 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1940.40 |  | 0.427054 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $269.80 | $67.78 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 787 | XXXX | 772 | Beacon 5 | 791 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071967 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3071.45 |  | 0.180023 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $415.99 | $67.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 798 | XXXX | 757 | Beacon 5 | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073868 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6690.00 | Rent on Existing Lease | $2651.31 |  | 0.000000 | 0.4 |  |  | 2.52 | 2.52 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2440.00 | $2600.00 | Yes | XXXX | XXXX | 12 | Long Term | $1520.00 | $1600.00 | Yes | XXXX | XXXX | 12 | Long Term | $2730.00 | $2850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | $176.95 | $262.12 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 810 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069951 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2100.00 | Multiple Sources | $1914.06 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | XXXX |  |  | No |  |  |  | Long Term |  | $1100.00 | Yes | XXXX | XXXX | 12 | Long Term | $1000.00 | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54400.00 |  |  | $337.90 | $146.92 | Level 3-Stated/Partially Verified | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072459 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $2861.65 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | XXXX |  |  | Yes | XXXX | XXXX | 1 | Long Term | $5000.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67300.00 |  |  | $1002.99 | $130.75 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor | 7.83 | US Citizen |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 786 | XXXX | 787 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072404 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1300.00 | Third Party Rental Source | $1213.94 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | XXXX |  |  | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27400.00 |  |  | $63.95 | $116.29 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 757 | FICO II | 752 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073238 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $1579.43 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | XXXX |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22900.00 |  |  | $159.98 | $381.42 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 805 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 805 | XXXX | 798 | FICO Classic V5 Facta | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074087 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2500.00 | Third Party Rental Source | $1735.75 |  | 0.000000 | 0.69 |  |  | 1.44 | 1.44 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $2850.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8000.00 |  |  | $565.78 | $120.63 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 2.18 | US Citizen |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 653 | FICO II | 722 | Beacon 5 | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072296 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1305.23 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | XXXX |  |  | Yes | XXXX | XXXX | 25 | Long Term | $1500.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $144.55 | $61.08 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 3.40 | US Citizen |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 811 | XXXX | 831 | FICO Classic V8 Facta | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074092 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1803.90 |  | 0.447489 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $149.30 | $32.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | Non-Permanent Resident Alien | Employment Authorization | Venezuela (Bolivarian Republic of) | Level 4-Stated/Verified as defined | XXXX | 737 | FICO II | 740 | Beacon 5 | 731 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073676 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $6900.00 | Rent on Existing Lease | $7443.60 |  | 0.000000 | 1.08 |  |  | 0.93 | 0.93 | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | $3000.00 | $3000.00 | Yes | XXXX | XXXX | 12 | Long Term | $3900.00 | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $129000.00 |  |  | $782.98 | $91.33 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No | No | First-Time Investor |  | US Citizen | US Citizen | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 770 | XXXX | 737 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074646 | XXXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | $2767.00 | Third Party Rental Source | $1996.42 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | XXXX |  |  | No |  |  |  | Short Term |  | $2767.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $556.90 | $58.17 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073799 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3386.69 |  | 0.187153 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $363.03 | $88.60 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 772 | XXXX | 772 | FICO Classic V5 Facta | 805 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073451 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1750.00 | Third Party Rental Source | $1948.32 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | XXXX |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55800.00 |  |  | $405.62 | $130.83 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 703 | XXXX | 723 | Beacon 5 | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072366 | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $8374.83 |  | 0.408155 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $899.58 | $398.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | XXXX | 682 | XXXX | 573 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074502 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2800.00 | Third Party Rental Source | $2272.93 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | XXXX |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45500.00 |  |  | $500.57 | $94.25 | Level 3-Stated/Partially Verified | No | 1 | 8 | No | No |  | Experienced Investor |  | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | XXXX | 751 | XXXX | 774 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXXX | 4000029178 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 716 | Fair Isaac (VER. 2) | 669 | FICO Classic V5 Facta | 674 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000047785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 755 | FICO II | 704 | Beacon 5 | 759 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 753 | FICO II | 764 | Beacon 5 | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 49.242% | XXXX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000056379 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 73.649% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000060757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 815 | Fair Isaac (VER. 2) | 802 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 818 | Fair Isaac (VER. 2) | 810 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 77.005% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000059754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 766 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 750 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 74.449% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000054382 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 753 | Fair Isaac (VER. 2) | 725 | Beacon 5 | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 73.333% | XXXX |  |  | 88.000% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062391 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062005 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 74.250% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000064595 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062059 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 738 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 63.617% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063988 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 775 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 709 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 113.492% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000051648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 794 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 793 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 65.000% | XXXX |  |  | 99.798% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063976 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 724 | Fair Isaac (VER. 2) | 708 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063281 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000063171 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 713 | Fair Isaac (VER. 2) | 683 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 46.970% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000062006 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066439 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 815 | Fair Isaac (VER. 2) | 802 | FICO Classic V5 Facta | 802 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 57.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066845 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 784 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 803 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 71.500% | XXXX |  |  | 411.335% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065846 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 67.925% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000066499 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066502 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000064621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 764 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 73.600% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000062662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064155 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 50.732% | XXXX |  |  | 62.400% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064933 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.714% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000067114 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066245 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 48.611% | XXXX |  |  | 48.611% |  |  | 48.611% |  |  |  |  |  |  |  |  |
| XXXX | 4000063388 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 31.250% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000064382 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | XXXX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000065972 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 9.174% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066945 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067947 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.873% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000067449 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 67.674% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000063655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 153.103% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066095 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 727 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 50.000% | XXXX |  |  | 50.761% |  |  | 50.761% |  |  |  |  |  |  |  |  |
| XXXX | 4000063427 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 51.587% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 716 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 752 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 716 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 63.073% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067057 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 71.186% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000065866 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 783 | Fair Isaac (VER. 2) | 800 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 810 | Fair Isaac (VER. 2) | 817 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 47.695% | XXXX |  |  | 50.847% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068387 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.444% | XXXX |  |  | 77.681% |  |  | 77.681% |  |  |  |  |  |  |  |  |
| XXXX | 4000069716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 715 | Fair Isaac (VER. 2) | 758 | Beacon 5 | 749 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066183 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066007 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 811 | Fair Isaac (VER. 2) | 818 | Beacon 5 | 781 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000065969 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066524 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | XXXX | 793 | Fair Isaac (VER. 2) | 789 | Beacon 5 | 780 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | XXXX | 802 | Fair Isaac (VER. 2) | 806 | Beacon 5 | 794 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066027 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068119 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067299 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069589 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068528 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 33.33% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 758 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 782 | FICO Risk Score Classic 04 | 3 |  |  | 33.33% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 734 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 | 3 |  |  | 33.330% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 03/03/2025 | 761 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 62.000% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068334 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 63.333% | XXXX |  |  | 68.468% |  |  | 68.468% |  |  |  |  |  |  |  |  |
| XXXX | 4000066297 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068286 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069421 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 76.098% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000067043 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 74.000% | XXXX |  |  | 74.372% |  |  | 74.372% |  |  |  |  |  |  |  |  |
| XXXX | 4000068917 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067221 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 71.892% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000068201 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068981 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068217 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 61.828% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 765 | Fair Isaac (VER. 2) | 784 | Beacon 5 | 778 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 55.804% | XXXX |  |  | 59.524% |  |  | 59.524% |  |  |  |  |  |  |  |  |
| XXXX | 4000061621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 66.129% | XXXX |  |  | 68.333% |  |  | 68.333% |  |  |  |  |  |  |  |  |
| XXXX | 4000069032 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 77.576% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000067703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070105 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068177 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 64.229% | XXXX |  |  | 64.476% |  |  | 64.476% |  |  |  |  |  |  |  |  |
| XXXX | 4000070486 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 66.000% | XXXX |  |  | 66.000% |  |  | 66.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000067533 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069596 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 684 | Fair Isaac (VER. 2) | 667 | FICO Classic V5 Facta | 666 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068194 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 48.924% | XXXX |  |  | 48.924% |  |  | 48.924% |  |  |  |  |  |  |  |  |
| XXXX | 4000066415 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 52.504% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000065809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 63.158% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000066993 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.036% | XXXX |  |  | 126.848% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067487 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069346 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.313% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070592 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 57.951% | XXXX |  |  | 111.565% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069979 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 58.286% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069233 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 708 | Fair Isaac (VER. 2) | 743 | Beacon 5 | 729 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 77.273% | XXXX |  |  | 125.926% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069286 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 5-Stated/Verified as defined | Classic | XXXX | 773 | Fair Isaac (VER. 2) | 792 | Beacon 5 | 797 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070346 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 779 | Fair Isaac (VER. 2) | 797 | FICO Classic V5 Facta | 787 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 733 | Fair Isaac (VER. 2) | 720 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 77.778% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000069258 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 60.000% | XXXX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070256 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 64.879% | XXXX |  |  | 64.879% |  |  | 64.879% |  |  |  |  |  |  |  |  |
| XXXX | 4000068130 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000060201 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070271 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 45.455% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070878 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069541 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 45.627% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000069530 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 51.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 755 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 68.772% | XXXX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000071468 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 37.500% | XXXX |  |  | 38.318% |  |  | 38.318% |  |  |  |  |  |  |  |  |
| XXXX | 4000070928 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 815 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | XXXX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000068800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 69.091% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000069355 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 783 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 807 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 79.996% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000069427 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 783 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 807 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 79.996% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 782 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 79.661% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070305 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 55.056% | XXXX |  |  | 55.056% |  |  | 55.056% |  |  |  |  |  |  |  |  |
| XXXX | 4000068066 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 9 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 786 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.556% | XXXX |  |  | 86.364% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069257 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 762 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 79.266% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000071548 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 38.759% | XXXX |  |  | 38.759% |  |  | 38.759% |  |  |  |  |  |  |  |  |
| XXXX | 4000070097 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 41.531% | XXXX |  |  | 41.531% |  |  | 41.531% |  |  |  |  |  |  |  |  |
| XXXX | 4000072391 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 33.333% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072085 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071858 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 30.743% | XXXX |  |  | 31.930% |  |  | 31.930% |  |  |  |  |  |  |  |  |
| XXXX | 4000073088 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 736 | Fair Isaac (VER. 2) | 740 | Beacon 5 | 749 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 77.778% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000068284 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 54.404% | XXXX |  |  | 60.167% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000068437 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 742 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073417 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 820 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 787 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 59.834% | XXXX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000068874 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 74.483% |  |  | 74.483% |  |  |  |  |  |  |  |  |
| XXXX | 4000073006 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 41.667% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072208 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 39.286% | XXXX |  |  | 43.205% |  |  | 43.205% |  |  |  |  |  |  |  |  |
| XXXX | 4000073035 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 54.645% | XXXX |  |  | 55.000% |  |  | 55.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000072634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 69.235% | XXXX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070483 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000070970 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.000% | XXXX |  |  | 130.429% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073071 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000072331 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000070382 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073413 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 41.860% | XXXX |  |  | 41.860% |  |  | 41.860% |  |  |  |  |  |  |  |  |
| XXXX | 4000073678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 41.667% | XXXX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000072988 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | XXXX |  |  | 67.742% |  |  | 67.742% |  |  |  |  |  |  |  |  |
| XXXX | 4000074168 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 43.029% | XXXX |  |  | 44.785% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000067769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 26.667% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 777 | Fair Isaac (VER. 2) | 773 | Beacon 5 | 777 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 802 | Fair Isaac (VER. 2) | 805 | Beacon 5 | 787 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.789% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 51.904% | XXXX |  |  | 51.914% |  |  | 51.914% |  |  |  |  |  |  |  |  |
| XXXX | 4000071762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 41.837% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072894 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | 765 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 25.147% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072179 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 30.357% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074375 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 736 | Fair Isaac (VER. 2) | 761 | Beacon 5 | 744 | FICO Risk Score Classic 04 | 3 |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | 705 | Fair Isaac (VER. 2) | 756 | Beacon 5 | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 53.878% | XXXX |  |  | 101.538% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072321 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000071967 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073868 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXXX | 839 | Fair Isaac (VER. 2) | 810 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 18.421% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000069951 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 90.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 736 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 74.859% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000072459 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 58.974% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072404 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000073238 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 54.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000074087 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 24.884% | XXXX |  |  | 28.763% | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000072296 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074092 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 59.880% | XXXX |  |  | 59.880% |  |  | 59.880% |  |  |  |  |  |  |  |  |
| XXXX | 4000074646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 76.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXXX | 764 | Fair Isaac (VER. 2) | 771 | Beacon 5 | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 73.260% |  |  | 73.260% |  |  |  |  |  |  |  |  |
| XXXX | 4000073799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000073451 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 64.061% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XXXX | 4000072366 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4000074502 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 73.846% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

**Exhibit 99.07** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | 4000029178 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000029178 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000029178 | XXXX |  |  | Original CLTV | 63.77 | 70 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000029178 | XXXX |  |  | Original LTV | 63.77 | 70 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000029178 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000029178 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.67 | Lease Amount $XXXX /PITIA $XXXX |
| XXXX | 4000047785 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000047785 | XXXX |  |  | Representative FICO | 712 | 753 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000057168 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 46 | 42.12211 | Within 3% of the 1008. |
| XXXX | 4000057350 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000057350 | XXXX |  |  | Representative FICO | 767 | 776 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000057350 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000056379 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000060757 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000060757 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000060757 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000055710 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000055710 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 40.36 | 37.90977 | Field data matches Lenders 1008 |
| XXXX | 4000059754 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000059754 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000059754 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DCSR. |
| XXXX | 4000054382 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000054382 | XXXX |  |  | Original LTV | 75 | 73.33333 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000054382 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000054382 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DSCR |
| XXXX | 4000054382 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000059688 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 43.95 | 27.8689 | Debt $16,590.77 / Income $59,531.48 |
| XXXX | 4000061358 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000061358 | XXXX |  |  | Original Interest Rate | 7.5 | 7.49 | Field Value reflects the Note value |
| XXXX | 4000062391 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000062391 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000062391 | XXXX |  |  | Original CLTV | 65 | 60 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062391 | XXXX |  |  | Original LTV | 65 | 60 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062391 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.10 | 0.67 | Incme $XXXX/ PITIA $XXXX |
| XXXX | 4000061601 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000061601 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 32 | 35.52448 | 1008/approval not in loan file. Verified debts $3677.53/ INcome $10352.10 |
| XXXX | 4000062005 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 32.18 | 38.57705 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000058492 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000058492 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000058492 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000058492 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000061630 | XXXX |  |  | Representative FICO | 788 | 803 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000061630 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000061630 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 49.99 | 39.53536 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000060023 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000063004 | XXXX |  |  | Representative FICO | 791 | 793 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000063004 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000064595 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | $XXXX Income. / $XXXX PITIA / |
| XXXX | 4000062059 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000062059 | XXXX |  |  | Property Type | Single Family Detached | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000062059 | XXXX |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000062059 | XXXX |  |  | Original CLTV | 65 | 63.61702 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062059 | XXXX |  |  | Original LTV | 65 | 63.61702 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062059 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000063988 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000063988 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000058844 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000051648 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000051648 | XXXX |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000062057 | XXXX |  |  | Representative FICO | 785 | 795 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000062057 | XXXX |  |  | Original CLTV | 64.72 | 46.89729 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062057 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 28.45 | 41.4009 | Field value matches 1008 |
| XXXX | 4000063976 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000063976 | XXXX |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000063281 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000063281 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 38.02 | 27.12753 | Field value matches AUS |
| XXXX | 4000063082 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000063171 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000063171 | XXXX |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000062892 | XXXX |  |  | Original CLTV | 12.5 | 10.96491 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000062892 | XXXX |  |  | Original LTV | 12.5 | 10.96491 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000062892 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000062892 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 37.72 | 35.13267 | Within 2% of 1008 |
| XXXX | 4000064197 | XXXX |  |  | Representative FICO | 660 | 683 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000064197 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 34.78 | 17.23485 | Income and Liabilities are matching with UW calculation. As per the calculation, DTI is correct in the system. |
| XXXX | 4000066439 | XXXX |  |  | Borrower Last Name |  |  | Same as Note document's Business entity. |
| XXXX | 4000066439 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.76 | 1.75 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000066845 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000066845 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000066845 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000066845 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.80 | 1.82 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000064091 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000064091 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 18.7 | 25.15094 | DTI matches the lender's 1008 |
| XXXX | 4000062589 | XXXX |  |  | Representative FICO | 740 | 745 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000062589 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000065846 | XXXX |  |  | Representative FICO | 740 | 730 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000065846 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000066499 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000066502 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000064621 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000064621 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000064621 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000064621 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.47 | 1.43 | Rent income XXXX/PITIA $XXXX |
| XXXX | 4000062662 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000062662 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000062662 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000062662 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000062662 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000062662 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 29 | 31.48026 | Debt $4,040.63 / Income $12,835.44 |
| XXXX | 4000062971 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 39.65 | 34.50454 | Field data matches Lenders 1008. |
| XXXX | 4000062051 | XXXX |  |  | Representative FICO | 792 | 774 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000062051 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000066116 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000066116 | XXXX |  |  | Has FTHB | 0 | 1 | Field value reflects source document |
| XXXX | 4000064933 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000064933 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000064933 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 13.22 | 22.33258 | DTI is matching with Lenders qualifying DTI. |
| XXXX | 4000066790 | XXXX |  |  | Representative FICO | 774 | 679 |  |
| XXXX | 4000066245 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000066245 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000066245 | XXXX |  |  | Original CLTV | 51.38 | 48.61111 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000066245 | XXXX |  |  | Original LTV | 51.38 | 48.61111 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000066245 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000066245 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.29 | $XXXXIncome/$XXXX PITIA |
| XXXX | 4000063388 | XXXX |  |  | Original CLTV | 26.66 | 31.25 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000063388 | XXXX |  |  | Original LTV | 26.66 | 31.25 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000063388 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000063388 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.58 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000064382 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000064382 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Field value reflects source document |
| XXXX | 4000065748 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000065748 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000061504 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000061504 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000066928 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000066928 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000065972 | XXXX |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000065128 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000065128 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 13 | 29.79622 | Field data matches Lenders DTI |
| XXXX | 4000063772 | XXXX |  |  | Property Type | PUD | Single Family Detached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000063772 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000063772 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000066945 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000064459 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000064459 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000064459 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067449 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000067449 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.70 | 1.71 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000063613 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000063655 | XXXX |  |  | Representative FICO | 759 | 743 |  |
| XXXX | 4000063655 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000063655 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.47 | 1.48 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000066095 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069664 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000067909 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000065108 | XXXX |  |  | Original Interest Rate | 7.375 | 6.25 | Field Value reflects the Note value |
| XXXX | 4000065108 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000065108 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067057 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000065866 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000065866 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | $XXXX rental income / $XXXX PITIA |
| XXXX | 4000068387 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000068387 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068387 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000068387 | XXXX |  |  | Original CLTV | 80 | 77.68116 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000068387 | XXXX |  |  | Original LTV | 80 | 77.68116 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000068387 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DSCR Loan |
| XXXX | 4000069716 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069716 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000069716 | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.97 | 0.99 | $XXXX Income / $XXXX PITIA |
| XXXX | 4000066183 | XXXX |  |  | PMI Coverage % | 0 |  | N/A |
| XXXX | 4000066007 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000066007 | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.94 | 0.95 | $XXXX PITIA/$XXXX Income |
| XXXX | 4000065969 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000066524 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000066524 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000066524 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000066493 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Approval/AUS |
| XXXX | 4000066027 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000068119 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.27 | $XXXX PITIA / $XXXX Income. |
| XXXX | 4000067299 | XXXX |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000067405 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000069589 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069589 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 30.27 | 20.86131 | Field data matches Lenders DTI |
| XXXX | 4000067744 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067744 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 16.03 | 12.80003 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | 4000068528 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000066055 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000066055 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000068334 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.10 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000066297 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000063701 | XXXX |  |  | Representative FICO | 752 | 774 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000063701 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000063701 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000063701 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 31.26 | 36.43222 | Field data matches Lenders qualifying DTI |
| XXXX | 4000068286 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000068286 | XXXX |  |  | Original CLTV | 77.03 | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000068286 | XXXX |  |  | Original LTV | 77.03 | 80 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000068286 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 23.59 | 33.91842 | Field data matches Lenders 1008. |
| XXXX | 4000069421 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069421 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069421 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | $XXXX rents/ $XXXX PITIA |
| XXXX | 4000067043 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067043 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Income $XXXX/ P ITIA $XXXX |
| XXXX | 4000068917 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000068917 | XXXX |  |  | Borrower SSN |  |  | Field Value verified by application or other documentation in file |
| XXXX | 4000068917 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000068917 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 46.96 | 44.23903 | DTI on final 1008 and AUS is 45.52% debt $12,927.33/Income $29,221.55 |
| XXXX | 4000067221 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067221 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.03 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000068201 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068981 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000067731 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 31.75 | 38.05177 | DTI matches the lender's final 1008 and AUS |
| XXXX | 4000066725 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000066725 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 34.84 | 44.6928 | Field data matches Lenders 1008. |
| XXXX | 4000068073 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000068073 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000068073 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.18 | Field value reflects source document |
| XXXX | 4000061621 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000061621 | XXXX |  |  | Original Interest Rate | 8.75 | 9.25 | Field Value reflects the Note value |
| XXXX | 4000061621 | XXXX |  |  | Representative FICO | 808 | 697 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000061621 | XXXX |  |  | Original CLTV | 70 | 68.33333 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000061621 | XXXX |  |  | Original LTV | 70 | 68.33333 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000069032 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000069032 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067703 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067703 | XXXX |  |  | Originator Application Date |  |  | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| XXXX | 4000067703 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067703 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 6.75 | 31.14779 | Field data matches Lenders 1008. |
| XXXX | 4000070105 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000064475 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000064475 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068883 | XXXX |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000068883 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000068883 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 42 | 39.36972 | Field data matches Lenders 1008 |
| XXXX | 4000067533 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069596 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000065914 | XXXX |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000068823 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069764 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 7.587 | 10.50177 | Field value matches Lender's 1008. |
| XXXX | 4000067246 | XXXX |  |  | Representative FICO | 806 | 803 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000066993 | XXXX |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000066993 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.00 | PITIA $XXXX/Rent income $XXXX |
| XXXX | 4000069950 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000069950 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069950 | XXXX |  |  | Originator Application Date |  |  | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| XXXX | 4000069950 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 7.65 | 5.5192 | Debt $5,580.19 / Income $101,105.05. |
| XXXX | 4000067487 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000067487 | XXXX |  |  | Borrower SSN |  |  | Field Value verified by application or other documentation in file |
| XXXX | 4000067487 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000070328 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 44.15 | 41.25831 | Field data matches Lenders 1008. |
| XXXX | 4000068783 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000069979 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DSCR |
| XXXX | 4000068920 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000068920 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000068920 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069233 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069233 | XXXX |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000062318 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000062318 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 38.26 | 43.2269 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000070892 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 13 | 25.89263 | Field data matches Lenders qualifying DTI. |
| XXXX | 4000069642 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000069642 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069642 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000069642 | XXXX |  |  | Original Interest Rate | 6.875 | 7.625 | Field Value reflects the Note value |
| XXXX | 4000069642 | XXXX |  |  | Representative FICO | 668 | 674 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000069642 | XXXX |  |  | Original CLTV | 40.96 | 70 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000069642 | XXXX |  |  | Original LTV | 40.96 | 70 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000069642 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069642 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 5.5 | 40.39499 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000067080 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000067080 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000067080 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000067080 | XXXX |  |  | Original CLTV | 38.04 | 43.47202 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000067080 | XXXX |  |  | Original LTV | 38.04 | 43.47202 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000067080 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067080 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 28.06 | 19.82151 | Field data matches Lenders qualifying DTI |
| XXXX | 4000069286 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000069286 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069286 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000069286 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069286 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Unable to verify due to missing information |
| XXXX | 4000069286 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 45.7 | 32.08476 | DTI matches the lender's 1008 |
| XXXX | 4000070346 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000070346 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000070346 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070346 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DSCR file |
| XXXX | 4000069258 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.14 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000070256 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000070256 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000070256 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000070256 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 1.05 |  | DSCR Loan |
| XXXX | 4000068130 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070099 | XXXX |  |  | Originator Application Date |  |  | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| XXXX | 4000069409 | XXXX |  |  | Originator Application Date |  |  | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| XXXX | 4000070202 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000068368 | XXXX |  |  | Representative FICO | 800 | 801 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000068368 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068368 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000068368 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000070271 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000070271 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000070271 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.59 | 1.65 | $XXXXrental income / $XXXX PITIA |
| XXXX | 4000070878 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067581 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000067581 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067581 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067581 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 25.65 | 39.55771 | DTI on lender's 1008 34.719%- verified debt $3211.58/ Income $8118.72 |
| XXXX | 4000069541 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069530 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069530 | XXXX |  |  | Property Type | Single Family Detached | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000069530 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000069530 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000071468 | XXXX |  |  | Coborrower First Name |  |  | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| XXXX | 4000071468 | XXXX |  |  | Coborrower Last Name |  |  | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| XXXX | 4000068831 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000068831 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068831 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 49.19 | 32.3083 | DTI matches the lender's 1008 |
| XXXX | 4000070928 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 1.01 |  | DSCR Loan |
| XXXX | 4000070917 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070917 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 22 | 39.56665 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000068230 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000068230 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068230 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000068230 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 45 | 31.27186 | DTI matches the lender's 1008 |
| XXXX | 4000068800 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000068800 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068800 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069355 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000069355 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069355 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000069355 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069355 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000069355 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.08 | $XXXX/$XXXX = XXXX, matches approval |
| XXXX | 4000069427 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069427 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000069427 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069427 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000069427 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.08 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000070768 | XXXX |  |  | Representative FICO | 775 | 786 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000070768 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070768 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000070768 | XXXX |  |  | PMI Coverage % | 0 |  | Unable to verify due to missing information |
| XXXX | 4000070768 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000070768 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 30.27 | 39.89261 | Lender qualified as the note rate. Verified debt $12,983.09/ Income $31,856.35 |
| XXXX | 4000069527 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000069527 | XXXX |  |  | Original CLTV | 50 | 37.72727 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000069527 | XXXX |  |  | Original LTV | 50 | 37.72727 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000069527 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 48 | 44.27353 | Field data matches Lenders qualifying DTI. |
| XXXX | 4000070617 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000070617 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067295 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000067295 | XXXX |  |  | Representative FICO | 706 | 748 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000067295 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000067295 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067616 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000067616 | XXXX |  |  | Representative FICO | 781 | 813 | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| XXXX | 4000067616 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000067616 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 27.97 | 20.81501 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000070307 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000070307 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 54 | 42.27367 | Data Updated correctly in the system. |
| XXXX | 4000069097 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000069097 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 47 | 38.61069 | Debt $23,414.40 / Income $60,642.27- DTI matches the lender's 1008 |
| XXXX | 4000070305 | XXXX |  |  | Coborrower First Name |  |  | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | 4000070305 | XXXX |  |  | Coborrower Last Name |  |  | Field Value reflects Co-Borrower name as it appears on the Note |
| XXXX | 4000070305 | XXXX |  |  | Representative FICO | 775 | 786 |  |
| XXXX | 4000070305 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070305 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 41.84 | 36.27463 | Field data matches Lenders qualifying DTI. |
| XXXX | 4000071556 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000071556 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 15 | 35.0931 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000069685 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000069685 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069685 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069685 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 39.64 | 34.62227 | Field data matches Lenders qualifying DTI |
| XXXX | 4000068066 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000068066 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000068066 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.30 | $XXXX PITIA/$XXXX Income |
| XXXX | 4000068833 | XXXX |  |  | City |  |  | Field Value reflects City per Note |
| XXXX | 4000068833 | XXXX |  |  | Representative FICO | 779 | 782 | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| XXXX | 4000068833 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 38.54 | 35.07014 | Debt $7,198.63 / Income $20,526.38. |
| XXXX | 4000071000 | XXXX |  |  | Original CLTV | 46.62 | 41.18728 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000071000 | XXXX |  |  | Original LTV | 46.62 | 41.18728 | Unable to verify due to missing information |
| XXXX | 4000071000 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069257 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069257 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072085 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000072085 | XXXX |  |  | Has FTHB | 0 | 1 | Field value reflects source document |
| XXXX | 4000069725 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000069725 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 33.59 | 41.84094 | DTI matches lender's 1008 |
| XXXX | 4000070846 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070846 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000070846 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 48.44 | 41.64201 | Field data matches Lenders qualifying DTI. |
| XXXX | 4000071858 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072342 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 24.13 | 26.74954 | Field value matches 1008 |
| XXXX | 4000073088 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000073088 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068284 | XXXX |  |  | Representative FICO | 762 | 769 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000070840 | XXXX |  |  | Representative FICO | 797 | 811 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000070840 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 55 | 42.38005 | Field data matches Lenders qualifying DTI |
| XXXX | 4000068437 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000073417 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000073417 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Field value reflects source document |
| XXXX | 4000070555 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000070555 | XXXX |  |  | Contract Sales Price |  |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | 4000070555 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 45.19 | 42.2519 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000068874 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | $XXXX Income / $XXXX PITIA |
| XXXX | 4000073006 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000071346 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073035 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000073035 | XXXX |  |  | Original CLTV | 50 | 55 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000073035 | XXXX |  |  | Original LTV | 50 | 55 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000073035 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.49 | $XXXX PITIA / $XXXX Income |
| XXXX | 4000072107 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value reflects the Approval/AUS in file. |
| XXXX | 4000072107 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072634 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072634 | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.89 | 0.82 | $XXXX Income/XXXX PITIA |
| XXXX | 4000070483 | XXXX |  |  | Representative FICO | 729 | 744 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000070970 | XXXX |  |  | Zip |  |  | Field Value reflects Zip per Note |
| XXXX | 4000073071 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000073071 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072331 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000068433 | XXXX |  |  | Original CLTV | 56.6 | 60.48387 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000068433 | XXXX |  |  | Original LTV | 56.6 | 60.48387 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000068433 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000068433 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 18.58 | 42.54282 | DTI matches the lender's 1008 |
| XXXX | 4000070382 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value reflects the Approval/AUS in file. |
| XXXX | 4000070382 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000073413 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.37 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000073678 | XXXX |  |  | Original Interest Rate | 7.125 | 6.875 | Field Value reflects the Note value |
| XXXX | 4000073678 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000073678 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.30 | 2.04 | $XXXX Income / $XXXXPITIA |
| XXXX | 4000073278 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000073278 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073278 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000072988 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.95 | $XXXX Income/$XXXX PITIA |
| XXXX | 4000074168 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.72 | $XXXX Income / $XXXX PITIA |
| XXXX | 4000067769 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000067769 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.38 | 2.95 | Income $XXXX/PITIA $XXXX |
| XXXX | 4000068455 | XXXX |  |  | Representative FICO | 776 | 779 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000068455 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 43.03 | 35.19366 | Lender using higher P&I amount |
| XXXX | 4000072707 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000072707 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.26 | Income $XXXX / PITIA $XXXX |
| XXXX | 4000071243 | XXXX |  |  | Representative FICO | 801 | 805 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000071243 | XXXX |  |  | Original CLTV | 45 | 38.57143 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000071243 | XXXX |  |  | Original LTV | 45 | 38.57143 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000071243 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000071243 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 22 | 31.03749 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | 4000071615 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000071615 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000071615 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.28 | $XXXX PITIA / $XXXX rents |
| XXXX | 4000071302 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000071302 | XXXX |  |  | Has FTHB | 0 | 1 | Field value reflects source document |
| XXXX | 4000073708 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073708 | XXXX |  |  | PMI Coverage % | 0 |  | NA |
| XXXX | 4000073708 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 14 | 36.85083 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| XXXX | 4000072733 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072733 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 21.42 | 31.97359 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000073240 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000070954 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000070954 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072630 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000072630 | XXXX |  |  | Representative FICO | 792 | 769 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000072630 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072630 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 30.06 | 34.07265 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000070839 | XXXX |  |  | Original Interest Rate | 7.125 | 6.875 | Field Value reflects the Note value |
| XXXX | 4000070839 | XXXX |  |  | Representative FICO | 708 | 763 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000070839 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000070839 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 5.97 | 37.17794 | DTI matches the lender's 1008 |
| XXXX | 4000072537 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000072537 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072894 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000072894 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000072894 | XXXX |  |  | Original CLTV | 26.29 | 25.14706 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072894 | XXXX |  |  | Original LTV | 26.29 | 25.14706 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072894 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.26 | Rent income $XXXX/PITIA $XXXX |
| XXXX | 4000069695 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000069695 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 27.83 | 33.90119 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000073022 | XXXX |  |  | Borrower First Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000074375 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000074375 | XXXX |  |  | Representative FICO | 748 | 744 |  |
| XXXX | 4000071967 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000071967 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 15 | 18.00233 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000070169 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073868 | XXXX |  |  | Subject Debt Service Coverage Ratio | 2.10 | 2.52 | $XXXX Income / $XXXX PITIA |
| XXXX | 4000071164 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000071164 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 25.29 | 29.82671 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000069951 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000069951 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.10 | Income $XXXX/ PITIA $XXXX |
| XXXX | 4000072459 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000072459 | XXXX |  |  | Original Interest Rate | 8.125 | 8.25 | Field Value reflects the Note value |
| XXXX | 4000072459 | XXXX |  |  | Original CLTV | 64.1 | 58.97436 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072459 | XXXX |  |  | Original LTV | 64.1 | 58.97436 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072459 | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.97 | 1.01 | $XXXX PITIA / $XXXX rents |
| XXXX | 4000071777 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000071777 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 39.45 | 30.62832 | Field data matches Lenders 1008. |
| XXXX | 4000073501 | XXXX |  |  | Representative FICO | 758 | 761 |  |
| XXXX | 4000073501 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073501 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 34.81 | 38.14733 | Lender used a qualifying rate of 7.25%, verified debt $13,122.68/ Income $34,400.00 |
| XXXX | 4000072404 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000074119 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073238 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000074087 | XXXX |  |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000074087 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.44 | $XXXX rental income / $XXXX PITIA |
| XXXX | 4000072296 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000072296 | XXXX |  |  | Original Interest Rate | 7 | 7.875 | Field Value reflects the Note value |
| XXXX | 4000072296 | XXXX |  |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000072296 | XXXX |  |  | Original CLTV | 65 | 75 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072296 | XXXX |  |  | Original LTV | 65 | 75 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072296 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072296 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | DSCR Loan |
| XXXX | 4000072296 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.15 | $XXXX PITIA/$XXXXI ncome |
| XXXX | 4000070138 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000070138 | XXXX |  |  | Original Interest Rate | 6.75 | 7 | Field Value reflects the Note value |
| XXXX | 4000070138 | XXXX |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | 4000070138 | XXXX |  |  | Original CLTV | 65.66 | 75 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000070138 | XXXX |  |  | Original LTV | 65.66 | 75 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000070138 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 23.8 | 28.6662 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000073307 | XXXX |  |  | Original Interest Rate | 7.5 | 7.75 | Field Value reflects the Note value |
| XXXX | 4000072824 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072824 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000072824 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072824 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 25.35 | 18.26319 | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| XXXX | 4000072686 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000072686 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072686 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 31.46 | 22.32165 | DTI matches the lender's 1008 |
| XXXX | 4000074092 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073790 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000073790 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 39 | 35.9175 | Debt $2,873.40 / Income $8,000 |
| XXXX | 4000074646 | XXXX |  |  | Borrower Last Name |  |  | Field Value reflects Borrower name as it appears on the Note |
| XXXX | 4000074646 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073799 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073799 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 12.86 | 18.71529 | DTI matches the lender's 1008 |
| XXXX | 4000073798 | XXXX |  |  | Property Type | Single Family Detached | PUD Attached | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000073798 | XXXX |  |  | Has FTHB | 1 | 0 | Field value reflects source document |
| XXXX | 4000073026 | XXXX |  |  | Property Type | Condo (Low Rise) | Site Condo | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000073026 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000073451 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000073451 | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.95 | 0.90 | $XXXX Income / $XXXX PITIA |
| XXXX | 4000072366 | XXXX |  |  | Original Interest Rate | 6.874 | 7.624 | Field Value reflects the Note value |
| XXXX | 4000072366 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 18 | 40.8155 | DTI on Final 1008 is 41.90% Debt verified $14,074.09/Income $34,482.22 |
| XXXX | 4000074502 | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.23 | INCOME $XXXX/PITIA $XXXX |
| XXXX | 4000075312 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000074552 | XXXX |  |  | Representative FICO | 754 | 737 | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | 4000074552 | XXXX |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Updated From 1008 |
| XXXX | 4000074552 | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Field value reflects source document |
| XXXX | 4000072135 | XXXX |  |  | Original Loan Amount |  |  | Field Value reflects the Note value |
| XXXX | 4000072135 | XXXX |  |  | Original CLTV | 54.83 | 56.45161 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | 4000072135 | XXXX |  |  | Original LTV | 54.83 | 56.45161 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | 4000072135 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 34.05 | 43.99047 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | 4000074213 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 23 | 39.19815 | DTI matches the lender's 1008 |
| XXXX | 4000071076 | XXXX |  |  | Street |  |  | Field Value reflects Street per Note |
| XXXX | 4000071076 | XXXX |  |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |
| XXXX | 4000071076 | XXXX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Field Value reflects Mortgage Type per the Note |
| XXXX | 4000071076 | XXXX |  |  | Investor: Qualifying Total Debt Ratio | 13 | 24.00365 | Field value matches Lender's qualifying DTI. |

---

## Exhibit 99.08

**Exhibit 99.08**

**NARRATIVE**

**OBX 2025-NQM12**

**By Canopy Financial Technology Partners LLC on June 16, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-08_001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Onslow Bay Financial LLC (the "Client") or its affiliated company. The Review was conducted from December 2024 to April 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of eighty-five (85) Loans with an aggregate principal balance of $49,735,287.

**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); Fitch and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

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

---

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

![](ex99-08_001.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

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

![](ex99-08_001.jpg)

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](ex99-08_001.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-08_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

 ****

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

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

 **Due Diligence Grading Criteria**

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

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

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| | |
|:---|:---|
| **Final Event Grade** | **Final Event Grade** |
| **A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| **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. |
| **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. |
| **D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| **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. |
| **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. |
| **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. |
| **D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

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| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| **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. |
| **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. |
| **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. |
| **D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

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**Valuation Event Grade**

---

| | |
|:---|:---|
| **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. |
| **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. |
| **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 |
| **D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (85 loans) have an overall grade of "A" and 0.00% (0 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (85 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (85 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (85 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &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;**85** | &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;85 | &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;**85** | &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;85 | &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;**85** | &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;85 | &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;**85** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;74 | &nbsp;&nbsp;87.06% | &nbsp;&nbsp;$40616879.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;11 | &nbsp;&nbsp;12.94% | &nbsp;&nbsp;$9118408.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49735287.00** |

---

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

![](ex99-08_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$49735287.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49735287.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;$5515420.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;$454000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;18.82% | &nbsp;&nbsp;$9436953.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;61.18% | &nbsp;&nbsp;$30286704.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.06% | &nbsp;&nbsp;$4042210.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49735287.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.35% | &nbsp;&nbsp;$967500.00 |
| &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;83 | &nbsp;&nbsp;97.65% | &nbsp;&nbsp;$48767787.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49735287.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;42 | &nbsp;&nbsp;49.41% | &nbsp;&nbsp;$30353753.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.24% | &nbsp;&nbsp;$3281116.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;36 | &nbsp;&nbsp;42.35% | &nbsp;&nbsp;$16100418.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49735287.00** |

---

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

![](ex99-08_001.jpg)

**DATA COMPARISON RESULTS**

Of the eighty-five (85) mortgage Loan Files reviewed, thirty-one (31) unique loans (36.47% by number) had fifty-two (52) tape comparison discrepancies across twenty (20) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;85 | &nbsp;&nbsp;4.71% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;85 | &nbsp;&nbsp;2.35% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;85 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Monthly HOA $| &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;85 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;85 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;85 | &nbsp;&nbsp;2.35% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;5 | &nbsp;&nbsp;85 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;85 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;85 | &nbsp;&nbsp;2.35% |
| &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;6 | &nbsp;&nbsp;85 | &nbsp;&nbsp;7.06% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Special Flood Hazard Area | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;85 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;85 | &nbsp;&nbsp;9.41% |

---

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

![](ex99-08_001.jpg)

**Disclaimer**

 

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

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

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

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

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

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

## Exhibit 99.09

**Exhibit 99.09**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 |
| **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 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** | **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** |
| 4000058562 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.249% |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.241 | 1.267 |  | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 13.07 | XXXX | 36.11 | No | 75 | N/A |
| 4000057361 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5303.7 | XXXX | 6.760% |  | No AUS | No | 7.498% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 24.87% | 24.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 5.41 | XXXX | 5.41 | No | 65 | N/A |
| 4000059522 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8935 | XXXX | 6.690% |  | No AUS | No | 7.660% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 44.65% | 44.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 9.87 | XXXX | 9.87 | No | 70 | N/A |
| 4000061896 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.077 | 1.077 |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 7.22 | XXXX | 7.22 | No | 80 | N/A |
| 4000063413 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11666 | XXXX | 6.770% |  | No AUS | No | 7.166% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 35.44% | 35.44% | No |  |  |  |  |  |  |  | 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 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 167 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, null Executed 4506T Verified, Business Bank Statements Verified | Borrower - null Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 12.11 | XXXX | 12.11 | No | 70 | N/A |
| 4000057060 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 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 | Yes | 1.111 | 1.11 |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 14.50 | XXXX | 14.5 | No | 75 | Yes |
| 4000063648 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1920 | XXXX | 7.070% |  | No AUS | No | 7.291% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 11.50% | 11.50% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 317 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 131.33 | XXXX | 131.33 | No | 65 | N/A |
| 4000064131 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10371.06 | XXXX | 7.070% |  | No AUS | No | 8.816% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 9.12% | 9.12% | No |  |  |  |  |  |  |  | Self-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 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 19.06 | XXXX | 19.06 | No | 70 | N/A |
| 4000061223 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.149 | 1.15 |  | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 16.68 | XXXX | 16.68 | No | 70 | N/A |
| 4000064836 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7172.43 | XXXX | 7.070% |  | No AUS | No | 7.553% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 41.46% | 41.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 80 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 5.83 | XXXX | 5.83 | No | 80 | N/A |
| 4000064295 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1.001 | N/A | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | XXXX | 74.28 | No | 63 | N/A |
| 4000065792 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2995 | XXXX | 7.060% |  | No AUS | No | 8.737% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 43.26% | 43.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 78 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 7.71 | XXXX | 7.71 | No | 80 | N/A |
| 4000064830 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6615 | XXXX | 6.840% |  | No AUS | No | 8.635% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 42.89% | 39.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 15.33 | XXXX | 15.33 | No | 80 | N/A |
| 4000066032 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9962.5 | XXXX | 7.150% |  | No AUS | No | 7.336% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 39.58% | 39.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 3.64 | XXXX | 3.64 | No | 70 | N/A |
| 4000065797 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6271.11 | XXXX | 6.960% |  | No AUS | No | 8.797% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 40.73% | 40.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 39.05 | XXXX | 39.05 | No | 75 | N/A |
| 4000063358 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 35.91% | 35.91% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-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 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 49 | Yes | 49 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 33.17 | XXXX | 33.17 | No | 80 | N/A |
| 4000066226 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 41.66% | 41.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 39.00 | XXXX | 39 | No | 80 | N/A |
| 4000066086 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9245 | XXXX | 6.930% |  | No AUS | No | 8.067% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 42.83% | 42.83% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 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 | 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, Business Bank Statements Verified - 2024 \|\| Co Borrower - N/A | Borrower - 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 41.65 | XXXX | 41.65 | No | 75 | N/A |
| 4000062915 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4181 | XXXX | 6.980% |  | No AUS | No | 7.756% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 26.74% | 26.74% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 294 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 30.90 | XXXX | 30.9 | No | 80 | N/A |
| 4000065242 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | XXXX | 6.920% |  | No AUS | No | 7.610% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 57 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 14.18 | XXXX | 14.18 | No | 70 | N/A |
| 4000063273 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | XXXX | 6.980% |  | No AUS | No | 7.431% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 23.64% | 23.64% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 75.00% | 25.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | .64 | XXXX | 0.64 | No | 75 | N/A |
| 4000064564 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.122 | 1.122 |  | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 7.52 | XXXX | 7.52 | No | 53.4 | N/A |
| 4000061169 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | LPA | LP Accept/Eligible | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 30.79% | 30.79% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | Yes | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 45.34 | XXXX | 45.34 | No | 65.81 | N/A |
| 4000065440 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.162 | 1.16 |  | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 20.19 | XXXX | 20.19 | No | 40.82 | N/A |
| 4000065457 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.039 | 1.039 |  | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 22.43 | XXXX | 22.43 | No | 74.94 | N/A |
| 4000067935 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10390 | XXXX | 6.920% |  | No AUS | No | 8.049% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 44.60% | 44.60% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 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 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 43 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 8.96 | XXXX | 8.96 | No | 80 | N/A |
| 4000062961 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 41.89% | 41.89% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 69.94 | XXXX | 69.94 | No | 75 | N/A |
| 4000066401 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2350 | XXXX | 6.930% |  | No AUS | No | 7.850% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 27.13% | 27.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 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 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | XXXX | 91.8 | No | 22.22 | N/A |
| 4000065007 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8746 | XXXX | 6.920% |  | No AUS | No | 8.375% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 20.24% | 20.24% | No | No |  |  |  |  |  |  | Self-Employed | Self-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 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | 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 - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | XXXX | 29.48 | No | 70 | N/A |
| 4000062838 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.166 | 1.02 | N/A | Borrower - N/A | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 30.15 | XXXX | 30.15 | No | 75 | N/A |
| 4000063920 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 39.70% | 39.70% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 38.92 | XXXX | 38.92 | No | 75 | N/A |
| 4000066389 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20100 | XXXX | 6.920% |  | No AUS | No | 8.795% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 40.86% | 42.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 25 | CPA | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, null Executed 4506T Verified | Borrower - null Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 50.17 | XXXX | 50.17 | No | 73.17 | N/A |
| 4000068742 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8507.5 | XXXX | 6.870% |  | No AUS | No | 7.469% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 43.45% | 43.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | XXXX | 13.35 | No | 66.41 | N/A |
| 4000068745 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 26325 | XXXX | 6.870% |  | No AUS | No | 7.456% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 36.05% | 36.05% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | 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% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | Audited | 13 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | Yes | 220 | 25 | FNMA 1005 | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - Wage - Written VOE Verified | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 91.49 | XXXX | 91.49 | No | 58.12 | N/A |
| 4000068788 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14400 | XXXX | 6.870% |  | No AUS | No | 7.431% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 43.12% | 43.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024 | Borrower - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 55.72 | XXXX | 55.72 | No | 80 | N/A |
| 4000068762 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8722 | XXXX | 6.870% |  | No AUS | No | 7.683% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 42.50% | 42.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 6.67 | XXXX | 6.67 | No | 79.99 | N/A |
| 4000068682 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11350 | XXXX | 6.960% |  | No AUS | No | 8.738% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 38.66% | 39.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Overtime and Bonus - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 9.35 | XXXX | 9.35 | No | 80 | N/A |
| 4000068759 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8318 | XXXX | 6.870% |  | No AUS | No | 8.274% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 44.85% | 44.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 8.20 | XXXX | 8.2 | No | 80 | N/A |
| 4000066235 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  |  |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 24.24% | 24.24% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 18.01 | XXXX | 18.01 | No | 54.05 | N/A |
| 4000064014 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 35.74% | 35.74% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 146.38 | XXXX | 146.38 | No | 80 | N/A |
| 4000069003 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8670 | XXXX | 6.880% |  | No AUS | No | 8.688% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 30.51% | 30.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, null Executed 4506T Verified, Lease Agreements Verified | Borrower - null Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 7.68 | XXXX | 7.68 | No | 80 | N/A |
| 4000068991 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8872.5 | XXXX | 6.920% |  | No AUS | No | 7.192% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Audited | 13 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | XXXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 6.53 | XXXX | 6.53 | No | 66.29 | N/A |
| 4000063753 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $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 | 1.014 | 1.01 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 19.35 | XXXX | 19.35 | No | 75 | N/A |
| 4000067992 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 31.57% | 31.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 16.40 | XXXX | 16.4 | No | 64.88 | N/A |
| 4000069054 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 36060 | XXXX | 6.850% |  | No AUS | No | 7.956% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 18.57% | 18.57% | 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 | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 41.72 | XXXX | 41.72 | No | 80 | N/A |
| 4000067167 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 39470 | XXXX | 6.880% |  | No AUS | No | 7.753% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 30.36% | 30.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 9.15 | XXXX | 9.15 | No | 80 | N/A |
| 4000066553 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $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 | 1.018 | 1.018 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | XXXX | 22.11 | XXXX | 22.11 | No | 80 | N/A |
| 4000068771 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12380 | XXXX | 6.920% |  | No AUS | No | 7.421% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 27.61% | 27.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | XXXX | 0.19 | No | 58.58 | N/A |
| 4000069112 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14916 | XXXX | 6.880% |  | No AUS | No | 7.325% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 43.31% | 43.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, null Executed 4506T Verified - 2024 | Borrower - null Executed 4506T Verified - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 10.13 | XXXX | 10.13 | No | 79.96 | N/A |
| 4000065776 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6644.1 | XXXX | 6.870% |  | No AUS | No | 7.130% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 42.10% | 42.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 33.61 | XXXX | 33.61 | No | 75 | N/A |
| 4000069143 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5530 | XXXX | 6.880% |  | No AUS | No | 7.256% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 15.84% | 15.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 165.19 | XXXX | 165.19 | No | 32.46 | N/A |
| 4000069478 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17350 | XXXX | 6.880% |  | No AUS | No | 7.613% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 37.41% | 37.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 21.68 | XXXX | 21.68 | No | 75 | N/A |
| 4000069479 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20685.94 | XXXX | 6.880% |  | No AUS | No | 7.529% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 36.60% | 36.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 42 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 12.86 | XXXX | 12.86 | No | 75 | N/A |
| 4000069128 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4210.65 | XXXX | 6.870% |  | No AUS | No | 7.493% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 43.91% | 43.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 2.27 | XXXX | 2.27 | No | 36.89 | N/A |
| 4000066263 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | 3659.13 | XXXX | 6.870% | DU | DU Approve/Eligible | No | 7.834% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 41.91% | 41.91% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 9 | 24 | Work Number | Yes | 10 | 36 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 495.95 | XXXX | 495.95 | No | 80 | N/A |
| 4000067553 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 33.79% | 33.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 19.08 | XXXX | 19.08 | No | 80 | N/A |
| 4000064759 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 37.79% | 37.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 57.14% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | Yes | 29 | 25 | Work Number |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Wage, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 75.06 | XXXX | 165.27 | No | 53.97 | N/A |
| 4000064423 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2270 | XXXX | 6.930% |  | No AUS | No | 7.430% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 41.64% | 41.64% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 96.12% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 32.90 | XXXX | 32.9 | No | 80 | N/A |
| 4000066831 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 31.32% | 31.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 NA | No | No | 0 | No | No | Yes | 0 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 41.22 | XXXX | 41.22 | No | 80 | N/A |
| 4000065097 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8185.4 | XXXX | 6.730% |  | No AUS | No | 7.752% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 39.27% | 42.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 57.14% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | Yes | 29 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 32.02 | XXXX | 32.02 | No | 80 | N/A |
| 4000066814 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | LPA | LP Accept/Eligible | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 34.45% | 34.45% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 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 | Yes | 11 | 11 | Other | Yes | 45 | 36 | Other | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 79.39 | XXXX | 79.39 | No | 34.07 | N/A |
| 4000065159 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Appendix Q Documentation | 1515 | XXXX | 6.920% | DU | DU Approve/Eligible | No | 7.346% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 32.96% | 32.96% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 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 - Retirement, Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 27.79 | XXXX | 27.79 | No | 75 | N/A |
| 4000066115 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1999 | XXXX | 6.870% |  | No AUS | No | 7.805% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Annually | 0.00% | 19.66% | 19.66% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 3 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 154 | 25 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 102.71 | XXXX | 102.71 | No | 80 | N/A |
| 4000069968 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18634 | XXXX | 6.620% |  | No AUS | No | 6.892% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 37.68% | 37.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 6.53 | XXXX | 6.53 | No | 60 | N/A |
| 4000067149 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.2 | 1.2 |  | 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 \|\| Co 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 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 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 24.59 | XXXX | 24.59 | No | 52.29 | N/A |
| 4000071759 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 32.00% | 32.00% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 11.07 | XXXX | 11.07 | No | 62.62 | N/A |
| 4000066579 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $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% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.086 | 1.09 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 9.16 | XXXX | 152.34 | No | 59.46 | N/A |
| 4000068648 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 26225 | XXXX | 6.840% |  | No AUS | No | 8.415% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 36.19% | 35.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 11.48 | XXXX | 11.48 | No | 57.32 | N/A |
| 4000069828 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 9.26% | 9.26% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 16 | 16 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 2582.13 | XXXX | 2582.13 | No | 51.21 | N/A |
| 4000072441 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | $0.00 | XXXX | XXXX | 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 | 0.915 | 0.915 | 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 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | XXXX | 3.78 | XXXX | 3.78 | No | 75 | N/A |
| 4000068798 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $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 | 1.22 | 1.22 | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 12.03 | XXXX | 124.62 | No | 45.96 | N/A |
| 4000072300 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 19.10% | 19.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 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, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 19.32 | XXXX | 19.32 | No | 75 | N/A |
| 4000071919 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 19.71% | 19.71% | Yes |  |  |  |  |  |  |  | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 10.94 | XXXX | 10.94 | No | 80 | N/A |
| 4000070925 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $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 | 1.303 | 1.3 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 51.97 | XXXX | 51.97 | No | 75 | N/A |
| 4000071585 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12216.16 | XXXX | 6.620% |  | No AUS | No | 7.003% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 18.33% | 18.33% | Yes |  |  |  |  |  |  |  | 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% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 86 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 7.36 | XXXX | 7.36 | No | 74.93 | N/A |
| 4000073955 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | $0.00 | XXXX | XXXX | 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% | 0.00% |  | Stocks/Bonds |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 253.16 | XXXX | 253.16 | No | 62.12 | N/A |
| 4000074135 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14740 | XXXX | 6.650% |  | No AUS | No | 7.040% |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 34.34% | 34.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 55 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 49.21 | XXXX | 174.03 | No | 27.83 | N/A |
| 4000069224 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 1970 | XXXX | 6.620% |  | No AUS | No | 6.527% |  | 6.500% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX |  | Annually | 0.00% | 33.70% | 33.70% | No | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | Yes | No | 84 | No | No | Yes | 0 | 0 | No | N/A | 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 - Asset Depletion, Other REO Net Rental Income(Loss) \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 395.15 | XXXX | 395.15 | No | 59.09 | N/A |
| 4000073574 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11457.5 | XXXX | 6.650% |  | No AUS | No | 7.395% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 15.96% | 15.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 8.15 | XXXX | 8.15 | No | 79.93 | N/A |
| 4000073810 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5222.5 | XXXX | 6.820% |  | No AUS | No | 8.378% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 38.09% | 36.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 53 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | XXXX | 0.2 | No | 51.62 | N/A |
| 4000074325 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | Annually | 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 | 1.097 | 1.09 |  | 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 6.81 | XXXX | 6.81 | No | 66.67 | N/A |
| 4000074336 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7857 | XXXX | 6.660% |  | No AUS | No | 7.168% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 44.73% | 44.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 5.81 | XXXX | 5.81 | No | 80 | N/A |
| 4000070779 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | Yes | No | N/A | N/A |  |  |  | DU | DU Approve/Eligible | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | 0.00% | 34.77% | 34.77% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 16 | 25 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXXX | XXXX |  |  | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 11.85 | XXXX | 11.85 | No | 80 | N/A |
| 4000073898 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16475 | XXXX | 6.660% |  | No AUS | No | 6.862% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | XXXX |  |  | $0.00 |  |  | 0.00% | 35.68% | 35.68% | 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% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 17.71 | XXXX | 17.71 | No | 80 | N/A |
| 4000073614 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | $0.00 | $0.00 | $0.00 | XXXX | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.081 | 1.081 | 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 \|\| Co 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 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | XXXX | 79.67 | XXXX | 79.67 | No | 49.58 | N/A |

---

## Exhibit 99.10

**Exhibit 99.10**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** |
| 4000058562 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | 9800 | Appraisal - 1025 | No | 80.57 | 1.267 | 1.241 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.8 | 1 | 1 | N/A | 36.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000061896 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 92.89 | 1.077 | 1.077 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 0.7 | 1 | 1 | N/A | 7.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000057060 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 90.03 | 1.11 | 1.111 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.5 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 4000061223 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 87.05 | 1.15 | 1.149 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000064295 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | 2235 | Appraisal - 1007 | No | 99.89 | 1.001 | 1.001 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | XXXX |  |  |  |  |  |  |  | No | 12.6 | 1 | 1 | N/A | 74.28 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000063358 |  | XXXX |  | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 33.17 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066226 |  | XXXX |  | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 14.1 | 1 | 1 | N/A | 39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000064564 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1025 |  | N/A |  |  | 7000 | Appraisal - 1025 | No | 89.13 | 1.122 | 1.122 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000061169 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000065440 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1025 |  | N/A |  |  | 11100 | Appraisal - 1025 | No | 86.06 | 1.16 | 1.162 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000065457 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 96.26 | 1.039 | 1.039 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | XXXX |
| 4000062961 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 69.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000062838 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | 2840 | Actual In Place Rent | No | 85.76 | 1.02 | 1.166 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000063920 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX | XXXX | XXXX | 12 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.92 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066235 |  | XXXX |  | XXXX | Written Verification of Employment | Present | Yes | XXXX |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 18.01 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000064014 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 146.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000063753 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1025 |  | N/A |  |  | 5200 | Appraisal - 1025 | No | 98.61 | 1.01 | 1.014 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000067992 |  | XXXX |  | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 1.2 | 3 | 1 | N/A | 16.4 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066553 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 98.19 | 1.018 | 1.018 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 22.11 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000067553 |  | XXXX |  | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000064759 |  | XXXX |  | XXXX | 12 Month Bank Statement | Present | Yes | XXXX |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 5 | 2 | 1 | N/A | 165.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066831 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066814 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 79.39 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000067149 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 83.33 | 1.2 | 1.2 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 24.59 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000071759 |  | XXXX |  | XXXX | Written Verification of Employment | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000066579 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | 8200 | Actual In Place Rent | No | 92.04 | 1.09 | 1.086 | XXXX | XXXX | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | XXXX |  |  |  |  |  |  |  | No | 3.5 | 1 | 1 | N/A | 152.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000069828 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 2582.13 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000072441 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 109.35 | 0.915 | 0.915 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 3.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000068798 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 81.97 | 1.22 | 1.22 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 124.62 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000072300 |  | XXXX |  | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.32 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000071919 |  | XXXX |  | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000070925 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Lease |  |  |  |  | 4900 | Lease | No | 76.74 | 1.3 | 1.303 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 51.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000073955 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 97.57 | 1.025 | 1.025 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 253.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000074325 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXX | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 91.18 | 1.09 | 1.097 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000070779 |  | XXXX |  | XXXX | Full Documentation | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.85 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000073614 |  | XXXX |  | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | 8200 | Appraisal - 1007 | No | 92.48 | 1.081 | 1.081 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | XXXX |  |  |  |  |  |  |  | No | 9.8 | 1 | 1 | N/A | 79.67 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 4000058562 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| 4000057361 |  | XXXX D A | Closed | FCRE9163 | 2024-12-23 14:38 | 2024-12-26 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Verified. Updated. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Please see the CREDIT REFRESH for the XXXX#XXXX - Due Diligence Vendor-12/26/2024 <br> Open-Missing updated credit report to validate XXXX payment for $XXXX monthly and balance of $XXXX. - Due Diligence Vendor-12/23/2024 |  | Resolved-Verified. Updated. - Due Diligence Vendor-12/26/2024<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.87% 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 XXXX is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000059522 |  | XXXX C A | Closed | FCRE1441 | 2025-01-02 07:29 | 2025-01-15 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Please find attached the updated 1008 and 1003. The collection liability has been applied to DTI. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Please find attached the updated 1003. The collection liability has been applied to DTI. - Due Diligence Vendor-01/15/2025 <br> Counter-Document Uploaded. Per Guidelines: Collection and charge-off individually greater than $XXXX, and total more than $XXXX must be paid off. However there are Exceptions: Medical collections can remain open. Collections and charge-offs that have surpassed the state statue of limitation on debts may be omitted from the DTI. Documentation verifying expiration must be provided. "Collection and charge-off may stay open if payments for open charge-offs or collections are included in the DTI. If a specific payment amount is not determined, 5% of the balance may be utilized as the payment and reserves covering the balance. " Audited Review does not show it was included in DTI per 1008. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Please find attached the LOE. The borrower does not own any money with XXXX. - Due Diligence Vendor-01/14/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements. Provide documentation to evidence collection account for $XXXX with XXXX. placed XXXX was paid off in full as required per guidelines, section 5.5-Payment of Derogatory amount on report. No documentation addressing the collection was provided at the time of review. - Due Diligence Vendor-01/02/2025 |  | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-01/15/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.87 Are Greater Than The Guideline Minimum Of 0.04 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000061896 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 4000063413 |  | XXXX D A | Closed | FCRE7497 | 2025-01-23 11:51 | 2025-02-07 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE & HOA Document provided for XXXX, XXXX, XXXX, XXXX. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Please find attached the HOA bill and LOE for no HOA on the properties. - Due Diligence Vendor-02/06/2025 <br> Counter-Document Uploaded. Per Internet search, XXXX is in an HOA. Please provide HOA statement. additional conditions may apply. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-The properties are SFR and there is no HOA. - Due Diligence Vendor-01/24/2025 <br> Open-. Missing verification of HOA or LOX stating no HOA for investment properties: XXXX, XXXX, XXXX, XXXX. - Due Diligence Vendor-01/23/2025 |  | Resolved-LOE & HOA Document provided for XXXX, XXXX, XXXX, XXXX. - Due Diligence Vendor-02/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.11 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 35.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.20 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.19 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000063413 |  | XXXX D A | Closed | FCRE1204 | 2025-01-23 11:16 | 2025-02-07 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Please find attached the Bylaws of XXXX. The borrower has 100% ownership of the business. - Due Diligence Vendor-02/06/2025 <br> Open-Fraud Report Shows Uncleared Alerts Employer Validation per Fraud Report showed Employer did not Match. Further, the Employment per the credit report in the loan file dated XXXX shows employed as XXXX and XXXX of XXXX. The lender did not obtain additional Business Entity documents to clear the alert. - Due Diligence Vendor-01/23/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.11 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 35.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.20 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.19 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000057060 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000063648 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA |  |  |  |
| 4000064131 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000061223 |  | XXXX C A | Closed | FCRE1198 | 2025-02-10 11:20 | 2025-02-13 08:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Settlement Statement - Due Diligence Vendor-02/12/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Borrower short funds. Verification of funds from sale of rental is required to meet the reserves. - Due Diligence Vendor-02/10/2025 |  | Resolved-Audited Reserves of XXXX are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000061223 |  | XXXX C A | Closed | FCRE7000 | 2025-02-10 11:16 | 2025-02-13 08:07 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Settlement Statement - Due Diligence Vendor-02/12/2025 <br> Open-Total Liquid Assets Available for Close of $XXXX is less than Total Cash to Close $XXXX. Per lenders approval / 1003 borrower sold XXXX for part of the funds down payment. Provide supporting documentation in the form of a final / estimated CD to shows funds received by borrower at close and when it closed. This documentation should support the rest of funds required to close / reserves - Due Diligence Vendor-02/10/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000064836 |  | XXXX D A | Closed | FCOM1208 | 2025-02-06 23:23 | 2025-02-11 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Please find the copy of the NOTE. - Due Diligence Vendor-02/11/2025 <br>Open-The Note is Incomplete Missing page 1 of Note. - Due Diligence Vendor-02/07/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.76 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.46% 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 XXXX is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000064295 |  | XXXX D A | Closed | FCOM8888 | 2025-02-11 13:03 | 2025-02-13 11:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-CD Provided. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Please see attached. - Due Diligence Vendor-02/11/2025 <br>Open-Closing Detail Statement is Missing - Due Diligence Vendor-02/11/2025 |  | Resolved-CD Provided. - Due Diligence Vendor-02/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000065792 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000064830 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000066032 |  | XXXX D A | Closed | FCOM2630 | 2025-02-12 05:27 | 2025-02-24 10:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Please find attached the document. - Due Diligence Vendor-02/24/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-02/12/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000066032 |  | XXXX D A | Closed | FCOM1797 | 2025-02-12 04:59 | 2025-02-14 08:08 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Please find attached the SPL. - Due Diligence Vendor-02/14/2025 <br>Open- - Due Diligence Vendor-02/12/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000065797 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000063358 |  | XXXX D A | Closed | FPRO4876 | 2025-02-14 06:02 | 2025-02-25 08:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Please see attached PDI report. - Due Diligence Vendor-02/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. "Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements." - Due Diligence Vendor-02/14/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.17 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000063358 |  | XXXX D A | Closed | FCRE5047 | 2025-02-19 09:14 | 2025-02-20 14:31 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title Supplement provided - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please see attached title supplement- proposed insured amount. - Due Diligence Vendor-02/20/2025 <br> Counter-Document Uploaded. The Preliminary Title report is missing the Title coverage amount. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-The HOI provided reflects a dwelling coverage of $XXXX which is the same as the loan amount. - Due Diligence Vendor-02/20/2025 <br> Counter-HOI Policy provided however Exception is stating the Title Coverage Amount is missing from the title policy. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-HOI has the dwelling amount/coverage - please see attached. - Due Diligence Vendor-02/19/2025 <br> Open-In need of updated title insurance policy stating dollar amount of coverage. - Due Diligence Vendor-02/19/2025 |  | Resolved-Title Supplement provided - Due Diligence Vendor-02/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.17 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000063358 |  | XXXX D A | Closed | FCRE3464 | 2025-02-19 09:01 | 2025-02-20 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please see attached post disaster VVOEs. - Due Diligence Vendor-02/20/2025 <br> Open-Post Disaster WVOE missing for both borrowers - Due Diligence Vendor-02/19/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-02/20/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.17 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000066226 |  | XXXX D A | Closed | FPRO4876 | 2025-02-14 17:12 | 2025-02-24 09:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Please see PDI Report - Due Diligence Vendor-02/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/14/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000066226 |  | XXXX D A | Closed | FCRE3464 | 2025-02-14 17:16 | 2025-02-21 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Here's updated VOE for FEMA condition - Due Diligence Vendor-02/21/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration.. - Due Diligence Vendor-02/14/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-02/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.11 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000066086 |  | XXXX C A | Closed | finding-3712 | 2025-02-14 17:49 | 2025-02-25 08:12 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Please find the attached Per Diem Interest Disclosure. - Due Diligence Vendor-02/25/2025 <br> Counter-Sorry about that date error. Section F of the Post Consummation Closing Disclosure provided shows: Prepaid Interest ($XXXX per day from XXXX to XXXX)= XXXX, and a Disbursement date of XXXX. There can be only 1 day of per diem interest between the disbursement and the per diem interest charged. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Our Post CD located on pg.371 shows disbursement date of XXXX not XXXX. Could you please review and waive this condition? - Due Diligence Vendor-02/20/2025 <br> Open-the finding comment I entered was something like: Post Consummation Closing Disclosure disbursement date of XXXX, with Section F per Diem interest that exceeds the 1 day allowed. XXXX disclosure to comply to XXXX Code, Civil Code - CIV § 2948.5. (a) A borrower shall not be required to pay interest on a principal obligation under a promissory note secured by a mortgage or deed of trust on real property improved with between one to four residential dwelling units for any period that meets any of the following requirements:<br> Is more than one day prior to the date that the loan proceeds are disbursed from escrow. (b) Interest may commence to accrue on the business day immediately preceding the day of disbursement, for obligations described in paragraphs (1) and (2) of subdivision (a) if both of the following occur:<br> (1) The borrower affirmatively requests, and the lender agrees, that the disbursement will occur on Monday, or a day immediately following a bank holiday.<br> (2) The following information is disclosed to the borrower in writing: (A) the amount of additional per diem interest charged to facilitate disbursement on Monday or the day following a holiday, as the case may be, and (B) that it may be possible to avoid the additional per diem interest charge by disbursing the loan proceeds on a day immediately following a business day. This disclosure shall be provided to the borrower and acknowledged by the borrower by signing a copy of the disclosure document prior to placing funds in escrow. - Due Diligence Vendor-02/19/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.65 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 - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.03 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 0.22<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000062915 |  | XXXX D A | Closed | FCRE7497 | 2025-02-19 07:25 | 2025-03-06 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy & Tax Cert provided for XXXX - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Updated Dec page - Due Diligence Vendor-03/05/2025 <br> Counter-The "HOI Document" provided is an Invoice and does not reflect the Property address of XXXX on it only the Policy Holders address. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Taxes - Due Diligence Vendor-03/04/2025 <br> Counter-The HOI Document provided is an Invoice and does not reflect the Property address of XXXX on it only the Policy Holders address. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-the investment property documents - Due Diligence Vendor-03/03/2025 <br> Counter-Document Uploaded. Please provide Taxes & Insurance for Investment property located at XXXX - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Tax info sheet and HOI - Due Diligence Vendor-02/24/2025 <br> Open- - Due Diligence Vendor-02/19/2025 |  | Resolved-HOI policy & Tax Cert provided for XXXX - Due Diligence Vendor-03/06/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.0 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.9 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 - 25.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 4000065242 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000063273 |  | XXXX D A | Closed | FCOM1233 | 2025-02-24 15:08 | 2025-03-05 07:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2025 <br>Ready for Review-1003 - Due Diligence Vendor-03/04/2025 <br>Open-The Final 1003 is Incomplete Final 1003 income for both borrowers does not match 1008 income used to qualify. - Due Diligence Vendor-02/24/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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 - 6.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.64% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000063273 |  | XXXX D A | Closed | FCRE2109 | 2025-02-20 03:52 | 2025-02-27 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/27/2025 <br> Ready for Review-income worksheet - Due Diligence Vendor-02/27/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary causing DTI variance. The 1008 reflects B1 with bulk of income however XXXX is owned 50/50. - Due Diligence Vendor-02/24/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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 - 6.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.64% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000063273 |  | XXXX D A | Closed | FCRE1325 | 2025-02-24 14:51 | 2025-02-27 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/27/2025 <br>Ready for Review-cpa letter - Due Diligence Vendor-02/27/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter. - Due Diligence Vendor-02/24/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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 - 6.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.64% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000063273 |  | XXXX D A | Closed | FCRE1355 | 2025-02-24 14:51 | 2025-02-27 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/27/2025 <br>Ready for Review-cpa letter - Due Diligence Vendor-02/27/2025 <br>Open-Borrower 2 CPA Letter Missing Missing CPA letter. - Due Diligence Vendor-02/24/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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 - 6.13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.64% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000064564 |  | XXXX B A | Closed | FCRE1182 | 2025-02-21 15:44 | 2025-02-27 17:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/27/2025 <br>Ready for Review-please find attached - Due Diligence Vendor-02/27/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/27/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000061169 |  | XXXX D A | Closed | FCRE2000 | 2025-02-26 15:30 | 2025-03-03 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/03/2025 <br> Ready for Review-CONTRACT ADD - Due Diligence Vendor-02/28/2025 <br> Open-Purchase Contract is Partial copy. Missing Addendum to Purchase Contract extending closing date to XXXX. The loan file contains an Addendum extending closing date to XXXX. - Due Diligence Vendor-02/26/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/03/2025<br>|  |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000065440 |  | XXXX D A | Closed | FCRE1491 | 2025-02-27 11:41 | 2025-04-08 11:50 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift funds are allowable at subject property LTV level under XXXX guidelines. - Due Diligence Vendor-04/08/2025 <br> Counter-Subject Loan is an Investment Purchase. XXXX & XXXX guidelines both state Gift Funds allowed for Primary Residence only. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-please review attached and advise - Due Diligence Vendor-03/13/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Per XXXX guides for DSCR it states on the matrix gift funds are allowed but under gift fund section it states gift funds are only allowed on primary residence. The EMD for $XXXX came from gift funds and then borrower had another $XXXX in gift funds. Making total funds from gift $XXXX. Borrower did put down over 5% into the transaction. - Due Diligence Vendor-02/27/2025 |  | Resolved-Gift funds are allowable at subject property LTV level under XXXX guidelines. - Due Diligence Vendor-04/08/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 659 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000065457 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000067935 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA |  |  |  |
| 4000062961 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000066401 |  | XXXX D A C | Closed | FCRE3464 | 2025-02-27 14:52 | 2025-03-13 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Please see attached. Thank you. - Due Diligence Vendor-03/12/2025 <br> Counter-Per XXXX directive, a post-disaster VVOE required confirming "no negative impact to employment or income" from current FEMA disaster declaration. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-The XXXX Fires incident ended on XXXX and the provided appraisal report is dated on XXXX and it shows the property was not affected by the Fires. Also, the provided Final Verbal VOE was done on XXXX. Both apprasisal report and Final Verbal VOE are dated after the incident. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-The XXXX Fires incident ended on XXXX and the provided appraisal report is dated on XXXX and it shows the property was not affected by the Fires. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-The XXXX Fires were ended in XXXX and the provided appraisal report is dated on XXXX and shows the property was not affected by the Fires. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration - Due Diligence Vendor-02/27/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/13/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000066401 |  | XXXX D A C | Closed | FPRO4876 | 2025-02-27 14:51 | 2025-03-10 13:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Please see attached. Please let me know if you need additional information. - Due Diligence Vendor-03/10/2025 <br> Counter-The appraiser does not address the Recent FEMA Disaster on the appraisal. - Per Investor instructions a Post Disaster Inspection to be performed after completion or end date of disaster per FEMA. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-The XXXX Fires incident ended on XXXX and the provided appraisal report is dated on XXXX and it shows the property was not affected by the Fires. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-The XXXX Fires were ended in XXXX and the provided appraisal report is dated on XXXX and shows the property was not affected by the Fires. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-The subject property is about 17 miles away from the XXXX Fire and the provided appraisal report shows that the property was not damaged. Please let me know if you need further information. Thank you. - Due Diligence Vendor-03/04/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/27/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000066401 |  | XXXX D A C | Closed | finding-47 | 2025-02-27 15:24 | 2025-03-04 08:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-03/04/2025 <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 (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.The 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.\*\*\*\*\*\*\*\*\*\*\*\*\*\*• Borrower executed documents on XXXX. Please Provided Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-02/28/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/04/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000065007 |  | XXXX D A | Closed | FCRE1157 | 2025-02-28 05:26 | 2025-03-04 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Hazard Binder - Due Diligence Vendor-03/03/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/28/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.24% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000062838 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000063920 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000066389 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 4000068742 |  | XXXX D A | Closed | FPRO4876 | 2025-03-07 16:09 | 2025-03-13 14:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Hello, please review and clear the condition. - Due Diligence Vendor-03/13/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-03/07/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/13/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000068742 |  | XXXX D A | Closed | FCRE3464 | 2025-03-07 16:09 | 2025-03-12 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating borrower is actively still employed. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Hello, please review the document and clear the condition - Due Diligence Vendor-03/12/2025 <br> Counter-Per XXXX directive, post-disaster VVOE required confirming "no negative impact to employment or income from current FEMA disaster declaration." - Due Diligence Vendor-03/10/2025 <br> Ready for Review-XXXX wildfire ended on XXXX and the VVOE was conducted on XXXX. Could you please waive the condition? - Due Diligence Vendor-03/09/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. - Due Diligence Vendor-03/07/2025 |  | Resolved-VVOE dated XXXX stating borrower is actively still employed. - Due Diligence Vendor-03/12/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000068745 |  | XXXX D A | Closed | FCRE1764 | 2025-03-06 05:46 | 2025-03-11 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement, tax Cert & HOI provided. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-03/11/2025 <br> Open-Mortgage Statement is missing for REO Property- XXXX - Due Diligence Vendor-03/06/2025 |  | Resolved-Mortgage statement, tax Cert & HOI provided. - Due Diligence Vendor-03/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 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 0.1<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 - 18.40 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.05% 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 XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000068745 |  | XXXX D A | Closed | FCRE3464 | 2025-03-07 16:10 | 2025-03-11 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/11/2025 <br> Ready for Review-The date of VOE is XXXX and the disaster end date is XXXX. Could you please waive this condition? - Due Diligence Vendor-03/11/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. - Due Diligence Vendor-03/07/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/11/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 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 0.1<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 - 18.40 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.05% 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 XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000068745 |  | XXXX D A | Closed | FPRO4876 | 2025-03-07 16:10 | 2025-03-11 14:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per appraisal dated XXXX - appraiser states: The XXXX county is included in recent FEMA disaster declaration for XXXX, however the subject and the neighborhood are free & clear of any damages (involving wildfires, flooding, mudflows and debris flows) and does not affect marketability and/or market value - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Please find the comment on page 94 in the closed package. The subject property is located in XXXX county bur the appraiser confirmed that the subject property is free and clear of any damages from the disaster. Additionally, since the appraisal report date is XXXX, it was clearly prepared well after the disaster end date. Could you waive this condition please? Thank you. - Due Diligence Vendor-03/11/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-03/07/2025 |  | Resolved-Per appraisal datedXXXX - appraiser states: The XXXX county is included in recent FEMA disaster declaration for XXXX, however the subject and the neighborhood are free & clear of any damages (involving wildfires, flooding, mudflows and debris flows) and does not affect marketability and/or market value - Due Diligence Vendor-03/11/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 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 0.1<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 - 18.40 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.12% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.05% 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 XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000068788 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000068762 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000068682 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000068759 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000066235 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 4000064014 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000069003 |  | XXXX D A | Closed | FPRO4876 | 2025-03-07 08:39 | 2025-03-14 14:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Please find the attached PDI report. - Due Diligence Vendor-03/13/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-03/10/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069003 |  | XXXX D A | Closed | FCRE3464 | 2025-03-11 09:30 | 2025-03-13 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed borrower employment is still active. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Please find the attached updated VVOE. - Due Diligence Vendor-03/12/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. - Due Diligence Vendor-03/11/2025 |  | Resolved-VVOE dated XXXX stating confirmed borrower employment is still active. - Due Diligence Vendor-03/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000068991 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000063753 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000067992 |  | XXXX D A | Closed | FPRO4876 | 2025-03-10 05:36 | 2025-03-18 12:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Post Disaster Inspection - Due Diligence Vendor-03/17/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-03/10/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 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 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.4 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.88% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 4000067992 |  | XXXX D A | Closed | FCRE7497 | 2025-03-12 09:46 | 2025-03-17 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-First Payment letter (escrowed) provided - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Attaching Mortgage Payment letter for the verification. Could you please review the file and waive the condition? - Due Diligence Vendor-03/17/2025 <br> Counter-Please provided First Mortgage Payment Letter (if escrowed) if not escrowed would need Tax & HOI for this property. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Per Note, (refinance loan of XXXX), first mortgage payment is due XXXX. Could you please review the attached document and kindly clear the condition? - Due Diligence Vendor-03/14/2025 <br> Counter-Document Uploaded. Final 1003 reflects that the Lenders for XXXX is XXXX, The Mortgage statement located in the file (page 201) is for XXXX. If This property was refinanced recently, 1st Payment letter, Taxes, HOI and HOA (if applicable) is needed. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Could you please check the package again? Mortgage statement (page 201), Insurance(201-205), Lease Agreement (206-235). Could you explain in detail why the documents are missing? - Due Diligence Vendor-03/13/2025 <br> Open-In need of proof of mortgage for XXXX. Proof is not in file after refinancing with XXXX - Due Diligence Vendor-03/12/2025 |  | Resolved-First Payment letter (escrowed) provided - Due Diligence Vendor-03/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 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 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.4 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.88% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 4000067992 |  | XXXX D A | Closed | FCRE3464 | 2025-03-12 08:53 | 2025-03-14 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/14/2025 <br> Ready for Review-VVOE - not affected by the fire - Due Diligence Vendor-03/14/2025 <br> Open-"Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration." - Due Diligence Vendor-03/12/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/14/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 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 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.4 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.88% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 4000069054 |  | XXXX D A | Closed | FPRO4876 | 2025-03-12 12:10 | 2025-03-25 11:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Please see PDI. Thank you - Due Diligence Vendor-03/24/2025 <br> Counter-The appraiser does not address the FEMA Disaster on the appraisal report and per XXXX directive, a post disaster inspection is required. Subject Property is listed in the Disaster Zip-code area. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Hello Team, FEMA declared the disaster end date on XXXX. Both our appraisals are dated in XXXX, PDI should not be required. Please clear the condition - Due Diligence Vendor-03/17/2025 <br> Counter-Per XXXX Directive - a Post Disaster Inspection to be performed after completion or end date of disaster per FEMA. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-FEMA disaster ended XXXX while this appraisal report was completed XXXX. So could you please clear the condition? - Due Diligence Vendor-03/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. "Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements." - Due Diligence Vendor-03/12/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069054 |  | XXXX D A | Closed | FCRE3464 | 2025-03-12 12:09 | 2025-03-14 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Please see attached - Due Diligence Vendor-03/13/2025 <br> Open-"Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration." - Due Diligence Vendor-03/12/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/14/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000067167 |  | XXXX D A | Closed | FCRE1467 | 2025-03-11 09:42 | 2025-04-28 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/28/2025 <br> Ready for Review-XXXX XXXX stmts attached - Due Diligence Vendor-04/28/2025 <br> Open-Asset 1 Missing Missing current bank statement for XXXX #XXXX. - Due Diligence Vendor-03/11/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-04/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.36% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000067167 |  | XXXX D A | Closed | FCRE1334 | 2025-03-13 14:52 | 2025-03-15 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-03/15/2025 <br>Ready for Review-This is not a full doc loan, 4506T is not required. Please clear condition - Due Diligence Vendor-03/14/2025 <br>Open-Borrower 1 Executed 4506-T Missing Final 4506-C executed at close is incomplete due to missing check Attestation box by borrower. - Due Diligence Vendor-03/13/2025 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-03/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.36% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000066553 |  | XXXX D A | Closed | FCRE1202 | 2025-03-11 14:45 | 2025-03-14 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/14/2025 <br>Ready for Review-see attached - Due Diligence Vendor-03/14/2025 <br>Open-Third Party Fraud Report Partially Provided Provide complete Fraud report, all pages. At the time of review only the conditions page was provided. - Due Diligence Vendor-03/11/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/14/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.0 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000068771 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| 4000069112 |  | XXXX D A | Closed | FCOM1233 | 2025-03-13 17:39 | 2025-03-18 10:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Please find the attached updated Final 1003. - Due Diligence Vendor-03/18/2025 <br> Open-The Final 1003 is Incomplete Need proper final 1003. Current final 1003 borrower signed XXXX however originator signed properly XXXX. Note date is XXXX - Due Diligence Vendor-03/13/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000065776 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000069143 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000069478 |  | XXXX D A | Closed | FPRO4876 | 2025-03-13 18:02 | 2025-03-24 08:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Please see attached. Thank you. - Due Diligence Vendor-03/24/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. <br>XXXX Wildfires and Straight-line Winds XXXX, Incident Period: XXXX - XXXX, Declaration Date: XXXX. - Due Diligence Vendor-03/13/2025 |  | Resolved-Per XXXX directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/24/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.68 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 - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069478 |  | XXXX D A | Closed | FCRE7497 | 2025-03-18 14:32 | 2025-03-20 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-03/20/2025 <br> Ready for Review-For the insurance, the insurance & tax payment are escrowed as shown in the mortgage statement. The escrowed amount is $XXXX which is the sum of tax($XXXX from property profile / 12 months = $XXXX) + insurance(XXXX - XXXX = $XXXX = the total escrowed amount - tax)<br>For HOA, this is Duplex property and it's shown on the property profile. There's no HOA.<br>Please review the provided mortgage statement and property profile in the closed package(attached as well) and waive the condition. Thank you. - Due Diligence Vendor-03/19/2025 <br> Open-Missing hazard insurance policy/proof of monthly payment for investment property owned located at XXXX. <br>Auditor used the following estimated PITIA payment: $XXXX per final loan application <br>PI from mortgage statement $XXXX<br> tax from property report $XXXX/12= $XXXX<br> hazard insurance is MISSING, $XXXX per final loan application minus PIT = $XXXX estimate<br> HOA - Missing evidence of payment/no payment. Used $XXXX per final loan application. <br>Please provide proof of hazard insurance payment and HOA payment. - Due Diligence Vendor-03/18/2025 |  |  | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.68 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 - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069478 |  | XXXX D A | Closed | FCRE3464 | 2025-03-18 15:40 | 2025-03-20 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/20/2025 <br> Ready for Review-The disaster was contained on XXXX and the provided Final VVOE is dated on XXXX which is after the incident end date. Please refer to page 153 and attached as well. <br> Please let me know if you need additional information. Thank you. - Due Diligence Vendor-03/19/2025 <br> Open-.Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. <br>XXXX Wildfires and Straight-line Winds XXXX, Incident Period: XXXX - XXXX, Declaration Date: XXXX. - Due Diligence Vendor-03/18/2025 |  | Resolved-VVOE dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/20/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.68 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 - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069479 |  | XXXX D A | Closed | FCRE3464 | 2025-03-18 14:36 | 2025-03-19 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE in file dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/19/2025 <br> Ready for Review-XXXX wildfire ended on XXXX and the VVOE was conduced on XXXX. Please review and waive the condition - Due Diligence Vendor-03/18/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. - Due Diligence Vendor-03/18/2025 |  | Resolved-VVOE in file dated XXXX stating confirmed business is still active and operational - Due Diligence Vendor-03/19/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069479 |  | XXXX D A | Closed | FPRO4876 | 2025-03-18 14:36 | 2025-03-19 14:03 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Appraisal Dated XXXX stating: The XXXX county is included in recent FEMA disaster declaration for XXXX, However the subject and the neighborhood are free and clear of any damages (involving wildfires, flooding, mudflows and debris flows) and does not affect marketability and/or market value. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Please find the appraisal report on page92 in the closed package. The appraisal made a comment that the subj property is free and clear of any damages. - Due Diligence Vendor-03/18/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-03/18/2025 |  | Resolved-Appraisal Dated XXXX stating: The XXXX county is included in recent FEMA disaster declaration for XXXX, However the subject and the neighborhood are free and clear of any damages (involving wildfires, flooding, mudflows and debris flows) and does not affect marketability and/or market value. - Due Diligence Vendor-03/19/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000069128 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 4000066263 |  | XXXX D A | Closed | FCOM1232 | 2025-03-17 16:50 | 2025-06-05 11:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/22/2025 <br> Ready for Review-Final 1003 - Due Diligence Vendor-03/21/2025 <br> Open-The Final 1003 is Missing for the Borrower and Coborrower. Please provide the executed final loan applications signed at closing. <br>Audit used initial 1003 for Personal, Income/Employment, Loan and Property, and Declarations. Final 1003 fields to be updated upon receipt of the Final 1003. - Due Diligence Vendor-03/17/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 495.95 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.83 Years | The Final 1003 is Missing. Please provide the executed final loan application signed at closing. <br>Audit used initial 1003 for Personal, Income/Employment, Loan and Property, and Declarations. Final 1003 to be updated upon receipt of the Final 1003. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 4000067553 |  | XXXX D A | Closed | FCRE7497 | 2025-03-20 12:55 | 2025-03-25 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage Statement (escrowed) for XXXX and LOE stating no HOA fees. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Docs for XXXX - Due Diligence Vendor-03/24/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Please provide proof of monthly tax and hazard insurance for investment property owned at XXXX. <br>The estimated net rental income for property at XXXX is -$XXXX using the PITIA payment per the mortgage statement (which includes MI $XXXX) <br>PI payment is $XXXX<br> Tax - Missing <br> Insurance - Missing <br> HOA - N/A<br> MI $XXXX<br>The PITIA payment will be updated on the Rental Income Worksheet and Rental Income in XXXX for Other Rental Property upon receipt of the documents. - Due Diligence Vendor-03/20/2025 |  | Resolved-Mortgage Statement (escrowed) for XXXX and LOE stating no HOA fees. - Due Diligence Vendor-03/25/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.09% 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 XXXX is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000064759 |  | XXXX D A | Closed | FCRE1201 | 2025-03-18 02:20 | 2025-03-20 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Fraud Report and Clearance uploaded - Due Diligence Vendor-03/19/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/18/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 165.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.0 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.79% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.97% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000064423 |  | XXXX D A C | Closed | FCRE3464 | 2025-03-20 17:54 | 2025-03-31 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE dated XXXX provided in original File. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-VVOE's dated in XXXX after the Declared End date of the FEMA disaster - Due Diligence Vendor-03/31/2025 <br> Open-Per XXXX directive, post-disaster VVOE required confirming no negative impact to employment or income from current FEMA disaster declaration. - Due Diligence Vendor-03/20/2025 |  | Resolved-VVOE dated XXXX provided in original File. - Due Diligence Vendor-03/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 0.16<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 - 12.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.9 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000064423 |  | XXXX D A C | Closed | FCRE1347 | 2025-03-19 02:57 | 2025-03-28 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Verbal VOE - Due Diligence Vendor-03/28/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/19/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 0.16<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 - 12.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.9 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Missing a Verbal VOE (dated within 10 days of the note date) for the Coborrower. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000064423 |  | XXXX D A C | Closed | FCOM3605 | 2025-03-21 10:40 | 2025-03-27 08:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Initial CD - Due Diligence Vendor-03/26/2025 <br>Open-No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-03/21/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 0.16<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 - 12.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.9 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000064423 |  | XXXX D A C | Closed | finding-3532 | 2025-03-19 06:30 | 2025-03-27 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Initial CD - Due Diligence Vendor-03/26/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-03/21/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 0.16<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 - 12.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.9 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000066831 |  | XXXX D A | Closed | FCOM8844 | 2025-03-21 17:55 | 2025-03-27 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/27/2025 <br>Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Attestation - Due Diligence Vendor-03/24/2025 <br>Open-In need of business purpose affidavit - Due Diligence Vendor-03/21/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-03/27/2025 <br>Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/25/2025<br>|  |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000065097 |  | XXXX D A | Closed | FCRE1159 | 2025-03-20 13:21 | 2025-04-10 16:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Updated Hazard binder - Due Diligence Vendor-04/10/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Disbursement Date of XXXX - Due Diligence Vendor-03/20/2025 |  | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> 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 - 21.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.5 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000065097 |  | XXXX D A | Closed | FCRE1169 | 2025-03-20 13:21 | 2025-04-10 16:31 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Updated Flood Binder - Due Diligence Vendor-04/10/2025 <br> Open-Flood Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/20/2025 |  | Resolved-Flood Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/10/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> 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 - 21.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.5 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000065097 |  | XXXX D A | Closed | FCRE7497 | 2025-03-20 15:01 | 2025-03-28 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements (escrowed) Tax Cert, Notes and Final CD provided - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Docs to verify payment with REO properties - Due Diligence Vendor-03/27/2025 <br> Open-Missing Other Property Tax and Hazard Insurance Policy for investment properties owned to calculate rental income:<br>XXXX<br> XXXX<br>The Other Rental Income PITIA Worksheet will be updated upon receipt. <br> - Due Diligence Vendor-03/20/2025 |  | Resolved-Mortgage statements (escrowed) Tax Cert, Notes and Final CD provided - Due Diligence Vendor-03/28/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> 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 - 21.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.5 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000065097 |  | XXXX D A | Closed | FCRE1469 | 2025-03-20 14:36 | 2025-03-27 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Settlement Agent for both loans are one in the same - Due Diligence Vendor-03/26/2025 <br> Open-Asset 3 Missing Missing documentation to verify the Asset 3 in the amount of $XXXX described on 1008 as proceeds from REO refinance. <br>Please provide source documents, such as the final settlement statement showing cash received, and verification of the new monthly payment for the Real Estate owned. Auditor is unable to determine which property the borrower refinanced. <br>The Assets and Other Rental Income Worksheet will be updated upon receipt of the documentation. - Due Diligence Vendor-03/20/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/27/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> 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 - 21.21 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.5 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000066814 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000065159 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA |  |  |  |
| 4000066115 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA |  |  |  |
| 4000069968 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000067149 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000071759 |  | XXXX C A | Closed | FCOM8845 | 2025-03-31 06:10 | 2025-04-30 06:44 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Corrected/executed PPP addendum to note provided. Thank you. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Please see attached NOTE and PPP addendum - Due Diligence Vendor-04/30/2025 <br> Counter-In XXXX - 1343.011(2) "Residential mortgage" means an obligation to pay a sum of money evidenced by a note and secured by a lien upon real property located within this state containing two or fewer residential units or on which two or fewer residential units are to be constructed and includes such an obligation on a residential condominium or cooperative unit. \*\*\*\*\*\*\*A residential unit to be used as a household rental falls under this limitation --Real property containing 1-to-2 residential units. Please confer with your internal counsel or compliance resources. Thank you. I can resolve with a corrected prepayment penalty Note addendum - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Hello Team, just checked your comments but it seems like there are no restrictions to prepayment penalties in XXXX for business-purpose loans. The restrictions attached below only apply to consumer-purpose loans. XXXX Revised Code Section 1322.01 defines what is "Residential mortgage loan." Also XXXX Revised Code Section 1343.011 only applies to residential mortgages. Considering the information provided above and the attachments below, may I kindly inquire if it would be possible to clear the conditions? Truly appreciate your support. - Due Diligence Vendor-04/02/2025 <br> Counter-Section 1343.011 - XXXX Revised Code ------ (C)(1) Except as provided in division (C)(2) of this section, residential mortgage obligations may be prepaid or refinanced without penalty at any time after five years from the execution date of the mortgage. Prior to such time a prepayment or refinancing penalty may be provided not in excess of one per cent of the original principal amount of the residential mortgage. \*\*\*\* 6mo interest exceeds 1% of the loan amount<br> - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Hello Team, according to the link that I attached below, it seems like no penalty applies for the loan amount of less than $XXXX, however loan amount for this loan is $XXXX.<br> Could you please waive the condition? Truly appreciate your support.<br>Link : XXXX - Due Diligence Vendor-04/01/2025 <br> Open-The subject property's state, XXXX, does not allow pre-payment penalties for Business Purpose loans. Prepayment penalties are only allowed when applicable by law. - Due Diligence Vendor-03/31/2025 |  | Resolved-Corrected/executed PPP addendum to note provided. Thank you. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32% 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 - 9 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 0.01 |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000066579 |  | XXXX D A | Closed | FCRE1470 | 2025-03-28 18:33 | 2025-04-03 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-04/03/2025 <br> Ready for Review-1008 & CD. Please refer to Highlighted comment on 1008 regarding $XXXX in assets on URLA - Due Diligence Vendor-04/02/2025 <br> Open-Asset 4 Missing. Secured Borrowed Funds iao $XXXX - Due Diligence Vendor-04/01/2025 |  | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-04/03/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.0 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000068648 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000069828 |  | XXXX D A | Closed | FCRE1764 | 2025-04-10 10:19 | 2025-04-16 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement (escrowed) provided for XXXX - Due Diligence Vendor-04/16/2025 <br> Ready for Review-MTG STMT - Due Diligence Vendor-04/15/2025 <br> Open-Missing mortgage statement for Primary home at XXXX with XXXX. Payment of $XXXX on Credit report does not verify if mortgage is escrowed. - Due Diligence Vendor-04/10/2025 |  | Resolved-Mortgage statement (escrowed) provided for XXXX - Due Diligence Vendor-04/16/2025 |  |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000072441 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000068798 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| 4000072300 |  | XXXX D A | Closed | FPRO1242 | 2025-04-19 16:40 | 2025-04-28 10:18 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Desk review provided. - Due Diligence Vendor-04/28/2025 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Here is the CDA - Due Diligence Vendor-04/28/2025 <br> Counter-Document Uploaded. Per Guidelines: Appraisal review must be performed by XXXX Underwriter with one of the following: CU or LPA score 2.5 or less (the UCDP located on pages 108-110) do not reflect a score) - Desk review (CDA) from XXXX - A field review or 2nd appraisal report. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-The appraisal report is in the closed package page 68. I kindly request to review and waive this condition. - Due Diligence Vendor-04/22/2025 <br> Open-In need of Desk review. LPA and CU documents do not show scores. Per guidelines Desk review or 2nd appraisal is needed. - Due Diligence Vendor-04/19/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-04/28/2025 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-04/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000072300 |  | XXXX D A | Closed | FCRE7497 | 2025-04-21 09:12 | 2025-04-23 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Docs provided. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-First, the property type of XXXX is duplex and borrower owns those property, so no HOA fees. XXXX, XXXX, tax and insurance is included in MTG. I also attached XXXX, XXXX, XXXX property documents. Please review and clear this condition. - Due Diligence Vendor-04/22/2025 <br> Open--Missing $XXXX possible HOA or fire policy for property XXXX, Need letter of explanation and proof of property cost breakdown<br> - Missing possible HOA or fire policy XXXX $XXXX, Need letter of explanation and proof of property cost breakdown<br> - Missing Hoi proof XXXX $XXXX a month<br> - Missing additional property cost proof for property at XXXX of $XXXX a month<br> In need of letter of explanation for property at XXXX, Lender calculated in - XXXX total piti however no documentation in file regarding if borrower still owns. Lender did however include in debt caclulation.<br> - Missing XXXX proof of Home owners insurance in file (primary property) - Due Diligence Vendor-04/21/2025 |  | Resolved-Property Docs provided. - Due Diligence Vendor-04/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000072300 |  | XXXX D A | Closed | FCRE1325 | 2025-04-21 08:42 | 2025-04-23 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Through the guideline for this loan program, It is stated that having one of the following qualifications is sufficient: CPA, EA, or CTEC. Could you please review and waive this condition? - Due Diligence Vendor-04/23/2025 <br> Counter-The CTEC Verification for the CPA is in the original file however exception is stating missing the actual CPA letter from the file. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-We already provided the CTEC and it is located in closed package page 416. I kindly request to review and waive this condition. - Due Diligence Vendor-04/22/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter not locate in file for XXXX - Due Diligence Vendor-04/21/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000071919 |  | XXXX D A | Closed | FCRE7497 | 2025-04-17 16:47 | 2025-04-22 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XXXX (recent Purchase - escrowed) XXXX (recent Purchase not escrowed) Tax & HOI and XXXX (Recent Refi - Not escrowed) tax & HOI Provided. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-see attached - Due Diligence Vendor-04/21/2025 <br> Open-Missing REO information for 4 rental properties listed on 1003, missing evidence of no mortgage, taxes, insurance and possible HOA fees. XXXX, XXXX, XXXX, - Due Diligence Vendor-04/17/2025 |  | Resolved-XXXX (recent Purchase - escrowed) XXXX (recent Purchase not escrowed) Tax & HOI and XXXX (Recent Refi - Not escrowed) tax & HOI Provided. - Due Diligence Vendor-04/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.26 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000071919 |  | XXXX D A | Closed | FCRE1964 | 2025-04-17 16:50 | 2025-04-22 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-XXXX Business statement provided - supporting XXXX deposit - Due Diligence Vendor-04/22/2025 <br> Ready for Review-see attached - Due Diligence Vendor-04/21/2025 <br> Open-Missing one month bank statement ending XXXX, XXXX for XXXX. Require XXXX month bank statement to verify business deposit on this month. <br> - Due Diligence Vendor-04/17/2025 |  | Resolved-XXXX Business statement provided - supporting XXXX deposit - Due Diligence Vendor-04/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.26 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | XXXX |
| 4000070925 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000071585 |  | XXXX D A C | Closed | FPRO1136 | 2025-04-18 06:29 | 2025-04-23 12:45 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Proof Seller p[aid in full the solar panels via HUD. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-See Solar Paid off on Seller CD - Due Diligence Vendor-04/22/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D showing completed though pages 347-349 shows seller paid Solar 2nd mortgage off. That was the reason for subject to condition. - Due Diligence Vendor-04/18/2025 |  | Resolved-Proof Seller p[aid in full the solar panels via HUD. - Due Diligence Vendor-04/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.93% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.28 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 4000071585 |  | XXXX D A C | Closed | FCRE5782 | 2025-04-22 11:08 | 2025-04-23 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-See LOX for Credit Inquiries in lieu of Gap Report - Due Diligence Vendor-04/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/22/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.93% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.28 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 4000073955 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000074135 |  | XXXX C A | Closed | finding-3712 | 2025-04-22 02:53 | 2025-04-25 08:36 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Please find the attached Per Diem for acknowledging disbursement on XXXX and FSS for 1 day refund. - Due Diligence Vendor-04/24/2025 <br> Open-This loan failed the per diem interest amount test. (XXXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX).PLEASE NOTE: An additional $XXXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Loan failed the XXXX Per Diem test. Lender to provide supporting documentation such as a copy of the final settlement statement to confirm the correct disbursement date for review. - Due Diligence Vendor-04/22/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/25/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 174.03 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 - Calculated DTI Of 34.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 4000069224 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000073574 |  | XXXX C A | Closed | FCRE1198 | 2025-04-22 04:44 | 2025-04-24 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/24/2025 <br> Ready for Review-According to our guideline, only XXXX months of reserves are required. We have provided XXXX months' worth of reserves, so it appears that this should satisfy the requirement. Could you kindly clear the condition accordingly? - Due Diligence Vendor-04/24/2025 <br> Open-Audited Reserves of XXXX are less than Guideline Required Reserves of 9 Assets .85 months short. Required $XXXX, Available after close $XXXX, Shortage $XXXX. - Due Diligence Vendor-04/23/2025 |  | Resolved-Audited Reserves of XXXX are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.66 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000073810 |  | XXXX D A | Closed | FCOM1262 | 2025-04-23 10:44 | 2025-04-30 06:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Here is a revised version of NRTC - Due Diligence Vendor-04/29/2025 <br>Counter-Right to cancel form provided is missing the expiration date - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Here you are. - Due Diligence Vendor-04/27/2025 <br>Open-\*\*\*\* The Notice of Right to Cancel has not been provided. - Due Diligence Vendor-04/23/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 4000073810 |  | XXXX D A | Closed | FCRE1316 | 2025-04-23 03:21 | 2025-04-25 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Here you are. - Due Diligence Vendor-04/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Applicant's third party VOE prior to closing is missing - Due Diligence Vendor-04/23/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 4000074325 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000074336 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| 4000070779 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| 4000073898 |  | XXXX D A | Closed | FCRE7497 | 2025-04-25 17:50 | 2025-04-30 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (Not escrowed) Tax cert, HOI and HOA documents provided. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Please see attached - Due Diligence Vendor-04/29/2025 <br> Open-Provide taxes, insurance and HOA (if applicable) for property located at REO #XXXX for no more than $XXXX per month as approved. - Due Diligence Vendor-04/28/2025 |  | Resolved-Mortgage statement (Not escrowed) Tax cert, HOI and HOA documents provided. - Due Diligence Vendor-04/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.71 Are Greater Than The Guideline Minimum Of 11.26 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 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.68% Is Less Than The Guideline Maximum Of 55% 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 - 10 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000073898 |  | XXXX D A | Closed | FCRE1468 | 2025-04-25 17:10 | 2025-04-30 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Please see attached - Due Diligence Vendor-04/29/2025 <br> Open-Asset 2 Missing Provide account statement from XXXX #XXXX to show evidence of balance for $XXXX as used to approve and needed for reserves. - Due Diligence Vendor-04/25/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.71 Are Greater Than The Guideline Minimum Of 11.26 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 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.68% Is Less Than The Guideline Maximum Of 55% 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 - 10 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000073898 |  | XXXX D A | Closed | FCRE2109 | 2025-04-25 16:36 | 2025-04-30 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Please see attached - Due Diligence Vendor-04/29/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary to support income of $XXXX as seen on the final 1003 and 1008. Review finds slightly lower income. - Due Diligence Vendor-04/25/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.71 Are Greater Than The Guideline Minimum Of 11.26 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 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXXX is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.68% Is Less Than The Guideline Maximum Of 55% 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 - 10 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 4000073614 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.12

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4000058562 |  | XXXX | XXXX A |
| 4000057361 |  | XXXX | XXXX D A |
| 4000059522 |  | XXXX | XXXX C A |
| 4000061896 |  | XXXX | XXXX A |
| 4000063413 |  | XXXX | XXXX D A |
| 4000057060 |  | XXXX | XXXX A |
| 4000063648 |  | XXXX | XXXX A |
| 4000064131 |  | XXXX | XXXX A |
| 4000061223 |  | XXXX | XXXX C A |
| 4000064836 |  | XXXX | XXXX A D |
| 4000064295 |  | XXXX | XXXX A D |
| 4000065792 |  | XXXX | XXXX A |
| 4000064830 |  | XXXX | XXXX A |
| 4000066032 |  | XXXX | XXXX A D |
| 4000065797 |  | XXXX | XXXX A |
| 4000063358 |  | XXXX | XXXX D A |
| 4000066226 |  | XXXX | XXXX D A |
| 4000066086 |  | XXXX | XXXX A C |
| 4000062915 |  | XXXX | XXXX D A |
| 4000065242 |  | XXXX | XXXX A |
| 4000063273 |  | XXXX | XXXX D A |
| 4000064564 |  | XXXX | XXXX B A |
| 4000061169 |  | XXXX | XXXX D A |
| 4000065440 |  | XXXX | XXXX D A |
| 4000065457 |  | XXXX | XXXX A |
| 4000067935 |  | XXXX | XXXX A |
| 4000062961 |  | XXXX | XXXX A |
| 4000066401 |  | XXXX | XXXX D C A |
| 4000065007 |  | XXXX | XXXX D A |
| 4000062838 |  | XXXX | XXXX A |
| 4000063920 |  | XXXX | XXXX A |
| 4000066389 |  | XXXX | XXXX A |
| 4000068742 |  | XXXX | XXXX D A |
| 4000068745 |  | XXXX | XXXX D A |
| 4000068788 |  | XXXX | XXXX A |
| 4000068762 |  | XXXX | XXXX A |
| 4000068682 |  | XXXX | XXXX A |
| 4000068759 |  | XXXX | XXXX A |
| 4000066235 |  | XXXX | XXXX A |
| 4000064014 |  | XXXX | XXXX A |
| 4000069003 |  | XXXX | XXXX D A |
| 4000068991 |  | XXXX | XXXX A |
| 4000063753 |  | XXXX | XXXX A |
| 4000067992 |  | XXXX | XXXX D A |
| 4000069054 |  | XXXX | XXXX D A |
| 4000067167 |  | XXXX | XXXX D A |
| 4000066553 |  | XXXX | XXXX D A |
| 4000068771 |  | XXXX | XXXX A |
| 4000069112 |  | XXXX | XXXX A D |
| 4000065776 |  | XXXX | XXXX A |
| 4000069143 |  | XXXX | XXXX A |
| 4000069478 |  | XXXX | XXXX D A |
| 4000069479 |  | XXXX | XXXX D A |
| 4000069128 |  | XXXX | XXXX A |
| 4000066263 |  | XXXX | XXXX A D |
| 4000067553 |  | XXXX | XXXX D A |
| 4000064759 |  | XXXX | XXXX D A |
| 4000064423 |  | XXXX | XXXX D C A |
| 4000066831 |  | XXXX | XXXX A D |
| 4000065097 |  | XXXX | XXXX D A |
| 4000066814 |  | XXXX | XXXX A |
| 4000065159 |  | XXXX | XXXX A |
| 4000066115 |  | XXXX | XXXX A |
| 4000069968 |  | XXXX | XXXX A |
| 4000067149 |  | XXXX | XXXX A |
| 4000071759 |  | XXXX | XXXX A C |
| 4000066579 |  | XXXX | XXXX D A |
| 4000068648 |  | XXXX | XXXX A |
| 4000069828 |  | XXXX | XXXX D A |
| 4000072441 |  | XXXX | XXXX A |
| 4000068798 |  | XXXX | XXXX A |
| 4000072300 |  | XXXX | XXXX D A |
| 4000071919 |  | XXXX | XXXX D A |
| 4000070925 |  | XXXX | XXXX A |
| 4000071585 |  | XXXX | XXXX D A C |
| 4000073955 |  | XXXX | XXXX A |
| 4000074135 |  | XXXX | XXXX A C |
| 4000069224 |  | XXXX | XXXX A |
| 4000073574 |  | XXXX | XXXX C A |
| 4000073810 |  | XXXX | XXXX D A |
| 4000074325 |  | XXXX | XXXX A |
| 4000074336 |  | XXXX | XXXX A |
| 4000070779 |  | XXXX | XXXX A |
| 4000073898 |  | XXXX | XXXX D A |
| 4000073614 |  | XXXX | XXXX A |

---

## Exhibit 99.13

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4000058562 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000057361 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4000059522 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 4000061896 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000063413 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 4000057060 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000063648 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| 4000064131 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000061223 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000064836 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 4000064295 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 63.0 | 63.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| 4000065792 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000064830 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| 4000066032 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000065797 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 4000063358 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000066226 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000066086 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 4000062915 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000065242 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Not Eligible | 1 | XXXX |
| 4000063273 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| 4000064564 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 53.4 | 53.4 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000061169 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.81 | 65.81 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| 4000065440 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 40.82 | 40.82 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate RisK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |
| 4000065457 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 74.94 | 74.94 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000067935 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 4000062961 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |
| 4000066401 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 22.22 | 22.22 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000065007 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| 4000062838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000063920 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000066389 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.17 | 73.17 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 4000068742 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 66.41 | 66.41 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 4000068745 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 58.12 | 58.12 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 4000068788 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 2.4 | XXXX |
| 4000068762 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.99 | 79.99 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000068682 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.2 | XXXX |
| 4000068759 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000066235 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.05 | 54.05 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000064014 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000069003 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000068991 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 66.29 | 66.29 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4000063753 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000067992 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 64.88 | 64.88 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 4000069054 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 3.3 | XXXX |
| 4000067167 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000066553 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0968 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000068771 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.58 | 58.58 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 4000069112 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.96 | 79.96 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.2 | XXXX |
| 4000065776 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 2.2 | XXXX |
| 4000069143 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 32.46 | 32.46 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000069478 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000069479 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000069128 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 36.89 | 36.89 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 4000066263 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| 4000067553 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | Not Eligible |  |  |
| 4000064759 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 53.97 | 53.97 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 4000064423 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 4.2 |  |
| 4000066831 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | Not Eligible | 1 | XXXX |
| 4000065097 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 4000066814 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 34.07 | 34.07 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 4000065159 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| 4000066115 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000069968 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000067149 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 52.29 | 52.29 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.5 | XXXX |
| 4000071759 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 62.62 | 62.62 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 4000066579 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 59.46 | 59.46 | XXXX | XXXX | .0054 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0054 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 3 | XXXX |
| 4000068648 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 57.32 | 57.32 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.7 | XXXX |
| 4000069828 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.21 | 51.21 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 4000072441 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4000068798 |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.96 | 45.96 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 4000072300 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |
| 4000071919 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000070925 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000071585 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 74.93 | 74.93 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 4000073955 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 62.12 | 62.12 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000074135 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 27.83 | 27.83 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 4000069224 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 59.09 | 59.09 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000073574 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 79.93 | 79.93 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 4000073810 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.62 | 51.62 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 4000074325 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000074336 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 4000070779 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000073898 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4000073614 |  | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | 49.58 | 49.58 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |

---

## Exhibit 99.14

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 4000058562 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000057361 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5303.7 | 7.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000059522 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8935 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000061896 | XXXX |  | XXXX | 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 | 0 |  |  |  | No |  | Yes | Present |
| 4000063413 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 11666 | 7.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000057060 | XXXX |  | XXXX | 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 | 0 |  |  |  | No | No | Yes | Present |
| 4000063648 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 1920 | 7.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000064131 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | 10371.06 | 8.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000061223 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000064836 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 7172.43 | 7.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000064295 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  | Unknown |  | No |  | Yes | Present |
| 4000065792 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 2995 | 8.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000064830 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6615 | 8.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000066032 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 9962.5 | 7.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000065797 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | 6271.11 | 8.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000063358 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed | Employed | No | No | Yes | Present |
| 4000066226 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000066086 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 9245 | 8.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | Employed | Unknown | No | No | No |  |
| 4000062915 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | 4181 | 7.756 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000065242 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000063273 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000064564 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000061169 | XXXX |  | XXXX | 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 | XXXX | N/A | Not Employed |  | No |  | Yes | Present |
| 4000065440 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000065457 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000067935 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10390 | 8.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000062961 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000066401 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2350 | 7.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000065007 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8746 | 8.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000062838 | XXXX |  | XXXX | 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 | 0 |  |  |  | No |  | Yes | Present |
| 4000063920 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000066389 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 20100 | 8.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000068742 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8507.5 | 7.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000068745 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 26325 | 7.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000068788 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14400 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000068762 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8722 | 7.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000068682 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11350 | 8.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | Employed |  | No |  | No |  |
| 4000068759 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 8318 | 8.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000066235 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000064014 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000069003 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8670 | 8.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000068991 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 8872.5 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000063753 | XXXX |  | XXXX | 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 | 0 |  |  |  | No |  | Yes | Present |
| 4000067992 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000069054 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 36060 | 7.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000067167 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 39470 | 7.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000066553 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000068771 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12380 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069112 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14916 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000065776 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6644.1 | 7.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069143 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5530 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069478 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17350 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069479 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 20685.94 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069128 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4210.65 | 7.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000066263 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3659.13 | 7.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000067553 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000064759 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000064423 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2270 | 7.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000066831 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000065097 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 8185.4 | 7.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | Employed |  | No |  | No |  |
| 4000066814 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed | Employed | No | No | Yes | Present |
| 4000065159 | XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1515 | 7.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Retired |  | No |  | No |  |
| 4000066115 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1999 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed | Employed | No | No | No |  |
| 4000069968 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18634 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000067149 | XXXX |  | XXXX | 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 | 0 |  |  |  | No | No | Yes | Present |
| 4000071759 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000066579 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000068648 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 26225 | 8.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069828 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000072441 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000068798 | XXXX |  | XXXX | 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 | 0 |  |  |  | No |  | Yes | Present |
| 4000072300 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000071919 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000070925 | XXXX |  | XXXX | 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 | 0 |  |  |  | No |  | Yes | Present |
| 4000071585 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12216.16 | 7.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000073955 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000074135 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14740 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000069224 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1970 | 6.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | N/A | Not Employed | Not Employed | No | No | No |  |
| 4000073574 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11457.5 | 7.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000073810 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5222.5 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000074325 | XXXX |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 4000074336 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7857 | 7.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXX | Yes | Employed |  | No |  | No |  |
| 4000070779 | XXXX |  | XXXX | 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 | XXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000073898 | XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16475 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXX | N/A | Employed |  | No |  | No |  |
| 4000073614 | XXXX |  | XXXX | 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 | 0 |  |  |  | No | No | Yes | Present |

---

## Exhibit 99.15

**Exhibit 99.15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4000059522 |  | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |  |
| 4000065792 |  | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |  |
| 4000066389 |  | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |  |
| 4000069143 |  | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |  |
| 4000068762 |  | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX |  |
| 4000057361 |  | XXXX | XXXX | Borrower 1 FTHB | false | true |  |
| 4000067167 |  | XXXX | XXXX | Borrower 1 FTHB | false | true |  |
| 4000065797 |  | XXXX | XXXX | Borrower 1 Origination FICO | 776 | 693.0 |  |
| 4000063273 |  | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX |  |
| 4000066263 |  | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX |  |
| 4000064423 |  | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX |  |
| 4000063273 |  | XXXX | XXXX | Borrower 2 Qualifying Income | XXXX | XXXX |  |
| 4000065097 |  | XXXX | XXXX | Interest Only Flag | Yes | No |  |
| 4000073810 |  | XXXX | XXXX | Loan Purpose | Refinance | Purchase |  |
| 4000063413 |  | XXXX | XXXX | Monthly HOA $| XXXX | XXXX |  |
| 4000068991 |  | XXXX | XXXX | Monthly HOA $| XXXX | XXXX |  |
| 4000072441 |  | XXXX | XXXX | Monthly HOA $| XXXX | XXXX |  |
| 4000059522 |  | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX |  |
| 4000069478 |  | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX |  |
| 4000066263 |  | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX |  |
| 4000072441 |  | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX |  |
| 4000072300 |  | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX |  |
| 4000067553 |  | XXXX | XXXX | Occupancy | Investment | Primary Residence |  |
| 4000064131 |  | XXXX | XXXX | Property Address | XXXX | XXXX |  |
| 4000068771 |  | XXXX | XXXX | Property Address | XXXX | XXXX |  |
| 4000069828 |  | XXXX | XXXX | Qualifying FICO | 811 | 794.0 |  |
| 4000064830 |  | XXXX | XXXX | Qualifying Housing Debt Income Ratio | 29.8 | 28.54 |  |
| 4000066032 |  | XXXX | XXXX | Qualifying Housing Debt Income Ratio | 30.02 | 33.05 |  |
| 4000063273 |  | XXXX | XXXX | Qualifying Housing Debt Income Ratio | 13.33 | 16.276 |  |
| 4000068991 |  | XXXX | XXXX | Qualifying Housing Debt Income Ratio | 38.32 | 35.47 |  |
| 4000065097 |  | XXXX | XXXX | Qualifying Housing Debt Income Ratio | 16.59 | 20.26 |  |
| 4000064131 |  | XXXX | XXXX | Qualifying Interest Rate | 9.375 | 9.75 |  |
| 4000066032 |  | XXXX | XXXX | Qualifying Interest Rate | 8.25 | 9.5 |  |
| 4000065797 |  | XXXX | XXXX | Qualifying Interest Rate | 9.375 | 9.625 |  |
| 4000066263 |  | XXXX | XXXX | Qualifying LTV | 80.0 | 81.0 |  |
| 4000068798 |  | XXXX | XXXX | Qualifying LTV | 45.96 | 43.51 |  |
| 4000066032 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 39.58 | 43.05 |  |
| 4000063273 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 23.64 | 28.326 |  |
| 4000067553 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 31.17 | 35.677 |  |
| 4000064759 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 37.79 | 40.58 |  |
| 4000065097 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 39.27 | 42.53 |  |
| 4000069224 |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | 33.7 | 28.04 |  |
| 4000063920 |  | XXXX | XXXX | Sales Price | XXXX | XXXX |  |
| 4000069003 |  | XXXX | XXXX | Special Flood Hazard Area | Yes | No |  |
| 4000063413 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 210.95 | 300.0 |  |
| 4000063648 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 211.2 | 155.37 |  |
| 4000069003 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 78.47 | 30.5 |  |
| 4000068991 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 181.07 | 117.57 |  |
| 4000066263 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 84.5 | 385.0 |  |
| 4000065097 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 304.5 | 190.83 |  |
| 4000072441 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 47.83 | 80.21 |  |
| 4000073898 |  | XXXX | XXXX | Total Monthly Property Insurance Amount | 190.51 | 349.02 |  |

---

## Exhibit 99.16

**Exhibit 99.16**

![](ex99-16_001.jpg)

**EXECUTIVE SUMMARY**

**OBX 2025-NQM12**

**By Clarifii LLC on June 13, 2025**

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 1

![](ex99-16_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 40 loans (the "Loans") and these loans were subsequently acquired by Onslow Bay Financial LLC (the "Client") for the OBX 2025-NQM12 transaction. The loans referenced in this narrative report were reviewed between 10/2024 to 04/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;$4344000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;12 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;$11464500.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;$388000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;21 | &nbsp;&nbsp;52.50% | &nbsp;&nbsp;$12715348.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

The Review consisted of a population of 40 Loans, with an aggregate principal balance of $28,911,848.00.

**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.

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 2

![](ex99-16_001.jpg)

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| | |
|:---|:---|
| &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 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;First Interest Rate Change Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |

---

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---

| |
|:---|
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

&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

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- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject property ownership history

- Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan officer

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

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- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

**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).

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

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

**Miscellaneous Compliance Testing**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment
penalty that exceeds the state permitted penalty has expired.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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QUALIFIED MORTGAGE (QM)

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

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**VALUATION REVIEW**

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

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

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 13

![](ex99-16_001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No <br> Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA<br> or Acceptable UCDP<br> 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;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 |
| &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;2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 14

![](ex99-16_001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;20.00% |
| &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;**40** | &nbsp;&nbsp;**100.00%** |

---

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 15

![](ex99-16_001.jpg)

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.50% |
| &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;**40** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &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;**40** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;82.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.50% |
| &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;**40** | &nbsp;&nbsp;**100.00%** |

---

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 16

![](ex99-16_001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;$4017000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;37 | &nbsp;&nbsp;92.50% | &nbsp;&nbsp;$24894848.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;30 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$26023450.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;10 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$2888398.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.50% | &nbsp;&nbsp;$8065500.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;31 | &nbsp;&nbsp;77.50% | &nbsp;&nbsp;$20846348.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$28911848.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$28911848.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$28911848.00** |

---

**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.

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 17

![](ex99-16_001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;31 | &nbsp;&nbsp;70.97% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;31 | &nbsp;&nbsp;25.81% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;40 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |

---

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 18

![](ex99-16_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;40 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

OBX 2025-NQM12 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.17

**Exhibit 99.17**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower 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 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** |
| 4000056499 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 23632.5 | XXXX | 6.040% |  |  | No | 6.564% |  | 6.375% |  | XXXX | No | $20444.40 | $1703.70 | $6068.04 | $505.67 | $0.00 | $0.00 | $0.00 | XXXX | $362831.34 | N/A |  |  | $0.00 |  |  | 0.00% | 5.18% | 5.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Wage - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000056725 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7490 | XXXX | 6.040% |  |  | No | 6.715% |  | 6.500% |  | XXXX | No | $9937.44 | $828.12 | $1157.04 | $96.42 | $0.00 | $0.00 | $0.00 | XXXX | $6730.72 | N/A |  |  | $0.00 |  |  | 0.00% | 38.81% | 38.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000051614 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14330 | XXXX | 6.100% |  |  | No | 7.157% |  | 7.000% |  | XXXX | No | $25667.16 | $2138.93 | $2565.96 | $213.83 | $3120.00 | $260.00 | $129.00 | XXXX | $37739.66 | N/A | XXXX | XXXX | $260.00 |  | Monthly | 0.00% | 35.72% | 35.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000055541 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8420 | XXXX | 6.360% |  |  | No | 6.756% |  | 6.625% |  | XXXX | No | $14145.60 | $1178.80 | $658.08 | $54.84 | $3000.00 | $250.00 | $0.00 | XXXX | $12442.63 | Yes | XXXX | XXXX | $250.00 | 12/01/2024 | Monthly | 0.00% | 37.20% | 37.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 32 | 32 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Wage, Commission - Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000057928 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6140 | XXXX | 6.150% |  |  | No | 7.178% |  | 7.125% |  | XXXX | No | $4881.00 | $406.75 | $1496.04 | $124.67 | $0.00 | $0.00 | $0.00 | XXXX | $75763.28 | N/A |  |  | $0.00 |  |  | 0.00% | 18.95% | 18.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000054133 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8885 | XXXX | 6.360% |  |  | No | 6.989% |  | 6.750% |  | XXXX | No | $15048.00 | $1254.00 | $1956.96 | $163.08 | $0.00 | $0.00 | $0.00 | XXXX | $7787.83 | N/A |  |  | $0.00 |  |  | 0.00% | 38.12% | 38.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 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, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000057651 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15050 | XXXX | 6.100% |  |  | No | 7.662% |  | 7.500% |  | XXXX | No | $19625.04 | $1635.42 | $4941.96 | $411.83 | $0.00 | $0.00 | $0.00 | XXXX | $35484.30 | N/A |  |  | $0.00 |  |  | 0.00% | 39.71% | 39.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000059029 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9993.88 | XXXX | 6.880% |  |  | No | 7.280% |  | 7.000% |  | XXXX | No | $9556.20 | $796.35 | $493.08 | $41.09 | $3804.00 | $317.00 | $0.00 | XXXX | $7687.15 | N/A | XXXX | XXXX | $317.00 | 02/01/2025 | Monthly | 0.00% | 38.86% | 38.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000059040 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | Yes | No | N/A | N/A | 8240 | XXXX | 7.190% |  |  | No | 8.736% |  | 9.625% |  | XXXX | No | $9750.00 | $812.50 | $1139.16 | $94.93 | $0.00 | $0.00 | $0.00 | XXXX | $10305.14 | N/A |  |  | $0.00 |  |  | 0.00% | 36.56% | 35.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000059497 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5090 | XXXX | 6.760% |  |  | No | 7.190% |  | 6.875% |  | XXXX | No | $18750.00 | $1562.50 | $2025.96 | $168.83 | $0.00 | $0.00 | $0.00 | XXXX | $148540.35 | N/A |  |  | $0.00 |  |  | 0.00% | 2.70% | 2.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 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 - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000060436 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 12215.75 | XXXX | 6.780% |  |  | No | 8.469% |  | 8.125% |  | XXXX | No | $4158.48 | $346.54 | $1393.08 | $116.09 | $0.00 | $0.00 | $0.00 | XXXX | $9550.87 | N/A |  |  | $0.00 |  |  | 0.00% | 36.49% | 36.49% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000061077 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 20520 | XXXX | 6.760% |  |  | No | 7.335% |  | 7.250% |  | XXXX | No | $31237.44 | $2603.12 | $7987.20 | $665.60 | $9540.00 | $795.00 | $0.00 | XXXX | $62727.29 | N/A | XXXX | XXXX | $795.00 |  | Monthly | 0.00% | 19.21% | 19.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000061108 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1845 | XXXX | 6.760% |  |  | No | 7.773% |  | 7.625% |  | XXXX | No | $4204.08 | $350.34 | $435.96 | $36.33 | $6000.00 | $500.00 | $0.00 | XXXX | $4515.64 | Yes | XXXX | XXXX | $500.00 | 03/01/2025 | Monthly | 0.00% | 39.79% | 39.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 90 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2022 | Borrower - 2023, 2024, 2022 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000062680 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2490 | XXXX | 6.980% |  |  | No | 7.582% |  | 7.500% |  | XXXX | No | $14411.04 | $1200.92 | $563.16 | $46.93 | $4164.00 | $347.00 | $0.00 | XXXX | $33644.78 | N/A | XXXX | XXXX | $347.00 |  | Monthly | 0.00% | 14.87% | 14.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 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 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000063783 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1395 | XXXX | 6.890% |  |  | No | 6.923% |  | 6.875% |  | XXXX | No | $21365.28 | $1780.44 | $1227.96 | $102.33 | $3120.00 | $260.00 | $0.00 | XXXX | $190637.53 | N/A | XXXX | XXXX | $260.00 |  | Monthly | 0.00% | 14.57% | 14.57% | 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 | 59 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000061104 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 30645 | XXXX | 6.750% |  |  | No | 8.090% |  | 7.625% |  | XXXX | No | $46875.00 | $3906.25 | $18200.04 | $1516.67 | $0.00 | $0.00 | $0.00 | XXXX | $69423.27 | N/A |  |  | $0.00 |  |  | 0.00% | 36.15% | 36.15% | No | No | 3 - Verified<2Mos |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Self-Employed | Self-Employed |  | 11.96 |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 65.00% | 31.00% |  | Third-Party Prepared (Unaudited) | 23 | CPA | Third-Party Prepared (Unaudited) | CPA | 23 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 \|\| Co Borrower 2 - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 \|\| Co Borrower - 2024, 2023 \|\| Co Borrower 2 - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 | 808 | 793 | 820 |  |  |  | 808 |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000066308 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13423.75 | XXXX | 6.930% |  |  | No | 7.164% |  | 7.000% |  | XXXX | No | $10662.60 | $888.55 | $3540.00 | $295.00 | $3200.04 | $266.67 | $0.00 | XXXX | $57045.07 | N/A | XXXX | XXXX | $266.67 |  | Annually | 0.00% | 13.86% | 13.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 130 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000066865 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.500% |  | XXXX | No | $5750.04 | $479.17 | $269.04 | $22.42 | $3396.00 | $283.00 | $0.00 | XXXX | $17513.29 | Yes | XXXX | XXXX | $283.00 |  | Monthly | 0.00% | 39.68% | 39.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000066868 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2795 | XXXX | 6.920% |  |  | No | 7.216% |  | 7.125% |  | XXXX | No | $11625.00 | $968.75 | $1589.04 | $132.42 | $0.00 | $0.00 | $0.00 | XXXX | $9896.38 | N/A |  |  | $0.00 |  |  | 0.00% | 38.81% | 38.81% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 25 | FNMA 1005 | Yes | 36 | 25 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2024, 2023 \|\| Co Borrower - Wage - Written VOE Verified - 2024, 2023 | Borrower - 2024, 2023 \|\| Co Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000064174 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8151.25 | XXXX | 7.070% |  |  | No | 8.455% |  | 8.000% |  | XXXX | No | $2664.48 | $222.04 | $2265.00 | $188.75 | $399.96 | $33.33 | $0.00 | XXXX | $3109.74 | N/A | XXXX | XXXX | $33.33 | 03/05/2025 | Annually | 0.00% | 41.18% | 41.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | PTIN | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000063081 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No | $2455.92 | $204.66 | $1091.04 | $90.92 | $300.00 | $25.00 | $0.00 | XXXX | $16140.11 | N/A | XXXX | XXXX | $25.00 | 01/01/2026 | Annually | 0.00% | 27.00% | 27.00% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 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 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 818 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000063849 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4330 | XXXX | 6.900% |  |  | No | 7.941% |  | 7.750% |  | XXXX | No | $6062.52 | $505.21 | $851.28 | $70.94 | $13068.00 | $1089.00 | $0.00 | XXXX | $7170.74 | Yes | XXXX | XXXX | $1089.00 |  | Monthly | 0.00% | 38.70% | 38.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000063853 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 18890 | XXXX | 6.890% |  |  | No | 8.054% |  | 7.750% |  | XXXX | No | $13749.96 | $1145.83 | $2534.04 | $211.17 | $0.00 | $0.00 | $0.00 | XXXX | $68362.60 | N/A |  |  | $0.00 |  |  | 0.00% | 16.66% | 16.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000073317 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.250% |  | XXXX | No | $1151.88 | $95.99 | $1703.88 | $141.99 | $0.00 | $0.00 | $0.00 | XXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.206 | 1.207 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000066487 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.375% |  | XXXX | No | $4295.88 | $357.99 | $1289.64 | $107.47 | $0.00 | $0.00 | $0.00 | XXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.045 | 1.045 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000068617 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2490 | XXXX | 6.880% |  |  | No | 7.432% |  | 7.375% |  | XXXX | No | $8017.68 | $668.14 | $2006.04 | $167.17 | $0.00 | $0.00 | $0.00 | XXXX | $11077.56 | N/A |  |  | $0.00 |  |  | 0.00% | 39.50% | 39.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | CPA | N/A | N/A | 0 | Yes | 32 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000068603 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2345 | XXXX | 6.870% |  |  | No | 7.052% |  | 7.000% |  | XXXX | No | $48750.00 | $4062.50 | $6648.96 | $554.08 | $5820.00 | $485.00 | $0.00 | XXXX | $193437.19 | N/A | XXXX | XXXX | $485.00 | 03/25/2025 | Monthly | 0.00% | 13.66% | 13.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000064658 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 9.375% |  | XXXX | No | $2028.72 | $169.06 | $2764.56 | $230.38 | $0.00 | $0.00 | $0.00 | XXXX |  | 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 | 0.933 | 0.933 |  | 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 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 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000063854 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.500% |  | XXXX | No | $17600.04 | $1466.67 | $1220.64 | $101.72 | $0.00 | $0.00 | $0.00 | XXXX | $13294.76 | N/A |  |  | $0.00 |  |  | 0.00% | 39.82% | 39.82% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 47 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000066949 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2490 | XXXX | 6.930% |  |  | No | 7.430% |  | 7.375% |  | XXXX | No | $15624.96 | $1302.08 | $2054.04 | $171.17 | $0.00 | $0.00 | $0.00 | XXXX | $15557.59 | N/A |  |  | $0.00 |  |  | 0.00% | 39.28% | 39.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Overtime and Bonus - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000071111 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10085 | XXXX | 6.730% |  |  | No | 6.833% |  | 6.750% |  | XXXX | No | $17129.76 | $1427.48 | $2022.96 | $168.58 | $0.00 | $0.00 | $0.00 | XXXX | $54879.45 | N/A |  |  | $0.00 |  |  | 0.00% | 16.33% | 16.33% | 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 - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000064441 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.625% |  | XXXX | No | $10800.60 | $900.05 | $3066.00 | $255.50 | $0.00 | $0.00 | $0.00 | XXXX |  | 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 | 1.003 | 1.003 |  | 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 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 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000071852 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2495 | XXXX | 6.650% |  |  | No | 6.909% |  | 6.875% |  | XXXX | No | $22784.76 | $1898.73 | $2418.00 | $201.50 | $0.00 | $0.00 | $0.00 | XXXX | $26045.04 | N/A |  |  | $0.00 |  |  | 0.00% | 35.81% | 35.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000065359 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No | $5943.12 | $495.26 | $2270.04 | $189.17 | $399.96 | $33.33 | $0.00 | XXXX |  | N/A | XXXX | XXXX | $33.33 | 04/01/2025 | Annually | 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 | 1.534 | 1.534 |  | 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 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 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000071849 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9165 | XXXX | 6.620% |  |  | No | 7.065% |  | 6.875% |  | XXXX | No | $14542.56 | $1211.88 | $1148.04 | $95.67 | $1740.00 | $145.00 | $0.00 | XXXX | $8744.27 | N/A | XXXX | XXXX | $145.00 | 03/24/2025 | Monthly | 0.00% | 39.69% | 39.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000073040 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2490 | XXXX | 6.620% |  |  | No | 7.208% |  | 7.000% |  | XXXX | No | $13599.96 | $1133.33 | $2997.00 | $249.75 | $1860.00 | $155.00 | $0.00 | XXXX | $6889.62 | N/A | XXXX | XXXX | $155.00 |  | Monthly | 0.00% | 36.33% | 36.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000073061 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7085 | XXXX | 6.660% |  |  | No | 7.090% |  | 6.875% |  | XXXX | No | $8288.64 | $690.72 | $1890.96 | $157.58 | $0.00 | $0.00 | $0.00 | XXXX | $19324.06 | N/A |  |  | $0.00 |  |  | 0.00% | 17.82% | 17.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000073053 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No | $3062.52 | $255.21 | $852.00 | $71.00 | $5100.00 | $425.00 | $0.00 | XXXX | $14023.92 | N/A | XXXX | XXXX | $425.00 | 05/01/2025 | Monthly | 0.00% | 19.42% | 19.42% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 30.00% |  |  | Third-Party Prepared (Unaudited) | 14 | CPA |  |  |  | Yes | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000073049 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7155 | XXXX | 6.650% |  |  | No | 7.072% |  | 6.875% |  | XXXX | No | $12059.16 | $1004.93 | $566.04 | $47.17 | $0.00 | $0.00 | $0.00 | XXXX | $19027.99 | N/A |  |  | $0.00 |  |  | 0.00% | 18.39% | 18.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 35.00% |  |  | Third-Party Prepared (Unaudited) | 14 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |
| 4000069677 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No | $1931.64 | $160.97 | $857.52 | $71.46 | $0.00 | $0.00 | $0.00 | XXXX |  | 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 | 1.059 | 1.059 |  | 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 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 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |

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| **Loan ID** | **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)** | **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** |
| 4000056499 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 35.0 | XXXXX | 35.0 | No | 69.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000056725 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 0.8 | XXXXX | 0.8 | No | 62.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000051614 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 62.1 | XXXXX | 62.1 | No | 79.93 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000055541 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 10.0 | XXXXX | 10.0 | No | 70.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000057928 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 0.0 | XXXXX | 147.1 | No | 68.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000054133 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 5.8 | XXXXX | 5.8 | No | 70.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000057651 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 18.8 | XXXXX | 18.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000059029 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  | Employment Authorization Card |  | N/A | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 1.9 | XXXXX | 1.9 | No | 60.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000059040 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXXX | 8.8 | XXXXX | 8.8 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000059497 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 49.8 | XXXXX | 49.8 | No | 20.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000060436 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 0.0 | XXXXX | 50.0 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 4000061077 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 0.0 | XXXXX | 0.0 | No | 36.01 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000061108 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 0.0 | XXXXX | 133.7 | No | 37.5 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000062680 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Employment Authorization Card |  | N/A | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 6.5 | XXXXX | 6.5 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000063783 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  | N/A | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 13.8 | XXXXX | 13.8 | No | 59.95 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000061104 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXXX | 7.5 | XXXXX | 7.5 | No | 74.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| 4000066308 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  |  | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 4.9 | XXXXX | 4.9 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000066865 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 7.1 | XXXXX | 7.1 | No | 80.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000066868 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 5.3 | XXXXX | 5.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 4000064174 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 21.0 | XXXXX | 21.0 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000063081 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 17.3 | XXXXX | 17.3 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000063849 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 5.5 | XXXXX | 5.5 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000063853 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 23.0 | XXXXX | 23.0 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000073317 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Hold | XXXX | No | No | N/A | XXXXX | 183.9 | XXXXX | 183.9 | No | 79.46 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 4000066487 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 7.3 | XXXXX | 7.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 4000068617 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 0.0 | XXXXX | 40.5 | No | 58.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000068603 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 17.4 | XXXXX | 17.4 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000064658 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 20.8 | XXXXX | 20.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000063854 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 32.9 | XXXXX | 32.9 | No | 36.22 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000066949 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 6.1 | XXXXX | 6.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 4000071111 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 3.5 | XXXXX | 3.5 | No | 71.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000064441 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 5.6 | XXXXX | 5.6 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 4000071852 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 4.1 | XXXXX | 4.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000065359 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 37.2 | XXXXX | 37.2 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 4000071849 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Employment Authorization Card |  | N/A | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 4.2 | XXXXX | 4.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000073040 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 0.3 | XXXXX | 0.3 | No | 32.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000073061 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXX | 0.0 | XXXXX | 46.6 | No | 45.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 4000073053 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 13.2 | XXXXX | 13.2 | No | 61.22 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000073049 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 | XXXXX | 10.2 | XXXXX | 10.2 | No | 74.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 4000069677 |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXXX | 10.2 | XXXXX | 10.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.18

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction 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** |
| 4000066865 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 133.86 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000063081 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1795 | Appraisal - 1007 |  | N/A |  |  | 1795 | Appraisal - 1007 | No | 101.33 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1795 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.3 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000073317 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 82.91 | 1.207 | 1.206 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 183.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000066487 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2450 | Appraisal - 1007 |  | N/A |  |  | 2450 | Appraisal - 1007 | No | 95.68 | 1.045 | 1.045 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000064658 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 107.14 | 0.933 | 0.933 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000063854 | XXXX | XXXX | XXXX | XXXX | Written Verification of Employment | Present | No | 0 | 3950 | Appraisal - 1007 |  | N/A |  |  | 3950 | Appraisal - 1007 | No | 138.98 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000064441 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 3790 | Appraisal - 1007 |  | N/A |  |  | 4400 | Actual In Place Rent | No | 99.74 | 1.003 | 1.003 | XXXX | 4400 | 03-01-2026 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4400 |  |  |  |  |  |  |  | No | 2.4 | 1 | 1 | N/A | 5.64 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000065359 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1007 |  | N/A |  |  | 5400 | Appraisal - 1007 | No | 65.2 | 1.534 | 1.534 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 4000073053 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 78.94 |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 4000069677 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1675 | Appraisal - 1007 |  | N/A |  |  | 1675 | Appraisal - 1007 | No | 94.39 | 1.059 | 1.059 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1675 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.19

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4000056499 | XXXX | XXXX | XXXX D A |
| 4000056725 | XXXX | XXXX | XXXX A |
| 4000051614 | XXXX | XXXX | XXXX D A |
| 4000055541 | XXXX | XXXX | XXXX A |
| 4000057928 | XXXX | XXXX | XXXX A |
| 4000054133 | XXXX | XXXX | XXXX D A |
| 4000057651 | XXXX | XXXX | XXXX D A |
| 4000059029 | XXXX | XXXX | XXXX D A |
| 4000059040 | XXXX | XXXX | XXXX A |
| 4000059497 | XXXX | XXXX | XXXX D A |
| 4000060436 | XXXX | XXXX | XXXX A |
| 4000061077 | XXXX | XXXX | XXXX D A |
| 4000061108 | XXXX | XXXX | XXXX D B C A |
| 4000062680 | XXXX | XXXX | XXXX D A |
| 4000063783 | XXXX | XXXX | XXXX D B A |
| 4000061104 | XXXX | XXXX | XXXX C B A |
| 4000066308 | XXXX | XXXX | XXXX A |
| 4000066865 | XXXX | XXXX | XXXX C A |
| 4000066868 | XXXX | XXXX | XXXX A |
| 4000064174 | XXXX | XXXX | XXXX C A |
| 4000063081 | XXXX | XXXX | XXXX C A B |
| 4000063849 | XXXX | XXXX | XXXX A C |
| 4000063853 | XXXX | XXXX | XXXX A |
| 4000073317 | XXXX | XXXX | XXXX A |
| 4000066487 | XXXX | XXXX | XXXX A |
| 4000068617 | XXXX | XXXX | XXXX A |
| 4000068603 | XXXX | XXXX | XXXX C A |
| 4000064658 | XXXX | XXXX | XXXX A |
| 4000063854 | XXXX | XXXX | XXXX C A |
| 4000066949 | XXXX | XXXX | XXXX A B |
| 4000071111 | XXXX | XXXX | XXXX D C A |
| 4000064441 | XXXX | XXXX | XXXX D A |
| 4000071852 | XXXX | XXXX | XXXX A B |
| 4000065359 | XXXX | XXXX | XXXX D A |
| 4000071849 | XXXX | XXXX | XXXX D B A |
| 4000073040 | XXXX | XXXX | XXXX D A |
| 4000073061 | XXXX | XXXX | XXXX D A |
| 4000073053 | XXXX | XXXX | XXXX A |
| 4000073049 | XXXX | XXXX | XXXX A B |
| 4000069677 | XXXX | XXXX | XXXX C A |

---

## Exhibit 99.20

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 4000056499 | XXXX | XXXX D A | Closed | FCRE1202 | 2024-11-01 14:51 | 2024-11-08 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Management approval provided. - Due Diligence Vendor-11/08/2024 <br> Ready for Review-Document Uploaded. Please see XXXX Cert - Seller-11/06/2024 <br> Open-Third Party Fraud Report Partially Provided Score 809, management approval required and is not documented in file.<br> - Due Diligence Vendor-11/01/2024 | Ready for Review-Document Uploaded. Please see XXXX Cert - Seller-11/06/2024 | Resolved-Third Party Fraud Report is fully present - Management approval provided. - Due Diligence Vendor-11/08/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 802 greater than program minimum of 680<br>Months Reserves exceed minimum required - 34.98 month reserves exceed program minimum of 0 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2730315 |
| 4000056725 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000051614 | XXXX | XXXX D A | Closed | FCRE7497 | 2024-10-29 06:29 | 2024-11-05 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PITIA provided. - Due Diligence Vendor-11/05/2024 <br>Ready for Review-Document Uploaded. Hello please Documents for PITIA on the 2nd home. - Seller-11/01/2024 <br>Open-1003 states borrower owns second home expenses per 1003 included in DTI, however, documentation is still required. Additional audit review required and findings my apply. - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. Hello please Documents for PITIA on the 2nd home. - Seller-11/01/2024<br>| Resolved-PITIA provided. - Due Diligence Vendor-11/05/2024<br>| Months Reserves exceed minimum required - 62.14 months of reserves exceed the 4 month minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 772 is 20+ points above 660 minimum for program |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2700297 |
| 4000051614 | XXXX | XXXX D A | Closed | FCRE5782 | 2024-10-28 16:51 | 2024-11-05 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/30/2024 <br>Ready for Review-Document Uploaded. Please See Softpull - Seller-10/29/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-10/28/2024 | Ready for Review-Document Uploaded. Please See Softpull - Seller-10/29/2024<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-10/30/2024<br>| Months Reserves exceed minimum required - 62.14 months of reserves exceed the 4 month minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 772 is 20+ points above 660 minimum for program |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2698423 |
| 4000051614 | XXXX | XXXX D A | Closed | FCRE0200 | 2024-10-29 06:50 | 2024-11-05 14:05 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Solar payment provided. - Due Diligence Vendor-11/05/2024 <br>Ready for Review-Document Uploaded. Hello the lease payment was stated on page 11 of the Solar Purchase agreement - Seller-11/01/2024 <br>Counter-Solar Energy System Addendum provided. Please provide documentation to support lease monthly payment. - Due Diligence Vendor-10/30/2024 <br>Ready for Review-Document Uploaded. - Seller-10/29/2024 <br>Open-Solar panels with purchase of new construction - missing lease payment information as noted on transfer documentation - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. Hello the lease payment was stated on page 11 of the Solar Purchase agreement - Seller-11/01/2024 <br>Ready for Review-Document Uploaded. - Seller-10/29/2024<br>| Resolved-Solar payment provided. - Due Diligence Vendor-11/05/2024<br>| Months Reserves exceed minimum required - 62.14 months of reserves exceed the 4 month minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 772 is 20+ points above 660 minimum for program |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2700384 |
| 4000055541 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000057928 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 4000054133 | XXXX | XXXX D A | Closed | FCRE1182 | 2024-12-06 17:21 | 2025-02-10 16:09 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. Please see Approval/Underwriting Summary - Seller-12/18/2024 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Please see Approval/Underwriting Summary - Seller-12/18/2024<br>| Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/20/2024<br>| Months Reserves exceed minimum required - 5.76 months of reserves exceed minimum of 0 required<br>LTV is less than guideline maximum - 70% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2954338 |
| 4000054133 | XXXX | XXXX D A | Closed | FCRE1202 | 2024-12-06 17:09 | 2024-12-26 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-After further review, the XXXX form, fraud report provided and the ID card all reflect the DOB as XXXX- condition resolved. - Due Diligence Vendor-12/26/2024 <br> Counter-XXXX Verification Report reflect the DOB XXXX - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. Hello, Per double checking I don't see where it does not match could you clarify ? - Seller-12/18/2024 <br> Open-Third Party Fraud Report Partially Provided Date of birth on SSN verification does not match XXXX card - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Hello, Per double checking I don't see where it does not match could you clarify ? - Seller-12/18/2024<br>| Resolved-After further review, the XXXX form, fraud report provided and the ID card all reflect the DOB as XXXX- condition resolved. - Due Diligence Vendor-12/26/2024 | Months Reserves exceed minimum required - 5.76 months of reserves exceed minimum of 0 required<br>LTV is less than guideline maximum - 70% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2954213 |
| 4000054133 | XXXX | XXXX D A | Closed | FCRE5782 | 2024-12-06 17:06 | 2024-12-20 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/18/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Please see Soft Pull - Seller-12/18/2024<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/20/2024<br>| Months Reserves exceed minimum required - 5.76 months of reserves exceed minimum of 0 required<br>LTV is less than guideline maximum - 70% LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2954201 |
| 4000057651 | XXXX | XXXX D A | Closed | FCRE1440 | 2024-12-12 08:11 | 2025-06-09 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. Please review the documents for this condition. - Seller-01/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Section 12.7 of the guides indicate that a borrower's mortgage/rental lates cannot exceed 1x30 during the past 12 months. The guides also state that if a borrower does not have a current mortgage payment (i.e. free and clear), no housing payment history is required to be documented. The loan application's REO section reflects multiple properties owned by the borrower. However, the property in section 3b as well as the 5th property listed in section 3c have liens reported that are not reflected on the credit report. The loan registry search section of the borrower's fraud report reflects these properties have respective liens with note dates of XXXX and XXXX. Although the loan file contains current mortgage statements, Verification of Mortgage (VOM) documents for these properties documenting the most recent 12-month housing history are missing from the loan file. - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. Please review the documents for this condition. - Seller-01/24/2025<br>| Resolved-Received payment history. - Due Diligence Vendor-01/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 FICO, 660 minimum required.<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 18 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 90%. Subject loan LTV is 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2989726 |
| 4000057651 | XXXX | XXXX D A | Closed | FCRE1506 | 2024-12-11 15:49 | 2025-01-28 16:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received payment history. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Please review the documents for this condition. - Seller-01/24/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The loan file is missing 12-month mortgage history for two of the borrower's investment properties that do not report on the borrower's credit report. - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. Please review the documents for this condition. - Seller-01/24/2025<br>| Resolved-Received payment history. - Due Diligence Vendor-01/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 FICO, 660 minimum required.<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 18 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 90%. Subject loan LTV is 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2986357 |
| 4000057651 | XXXX | XXXX D A | Closed | FCRE1964 | 2024-12-12 07:51 | 2024-12-26 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Internet search provided. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please review the XXXX search document, and clear this condition. - Seller-12/23/2024 <br> Open-The guides state for self-employed borrowers that the business phone number must be verifiable via XXXX, XXXX or internet. The loan file is missing the documentation that the business phone number was verified via XXXX, XXXX or internet. - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. Please review the XXXX search document, and clear this condition. - Seller-12/23/2024 | Resolved-Internet search provided. - Due Diligence Vendor-12/26/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 FICO, 660 minimum required.<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 18 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 90%. Subject loan LTV is 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2989620 |
| 4000059029 | XXXX | XXXX D A | Closed | FCRE1202 | 2025-01-03 07:35 | 2025-06-10 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/10/2025 <br> Resolved-Received management approval. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. UnDERWRITER CERT XXXX - Seller-02/04/2025 <br> Open-Third Party Fraud Report Partially Provided XXXX scores above 850 from XXXX requires management review and approval by the <br> Underwriting Manager.- no documentation provided - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. UNDERWRITER CERT XXXX - Seller-02/04/2025 | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/10/2025 <br>Resolved-Received management approval. - Due Diligence Vendor-02/05/2025<br>| Qualifying DTI below maximum allowed - DTI 38.86% is lower than the max allowed DTI 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 786 is higher than the 660 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3129962 |
| 4000059029 | XXXX | XXXX D A | Closed | FCRE5782 | 2025-01-03 07:19 | 2025-02-05 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. sift pull - Seller-02/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. sift pull - Seller-02/04/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2025<br>| Qualifying DTI below maximum allowed - DTI 38.86% is lower than the max allowed DTI 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 786 is higher than the 660 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3129888 |
| 4000059040 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000059497 | XXXX | XXXX D A | Closed | FCRE5782 | 2024-12-31 15:56 | 2025-01-09 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Soft pull report - Seller-01/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. Soft pull report - Seller-01/07/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/09/2025<br>| Qualifying DTI below maximum allowed - DTI 2.7% Lower than 49.99 Max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 731 is higher than 660 minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3116493 |
| 4000060436 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 4000061077 | XXXX | XXXX D A | Closed | FCRE1201 | 2025-01-15 17:31 | 2025-01-28 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-01/24/2025 <br> Counter-Document attached is not the Fraud Report. Finding remains. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/22/2025 <br> Counter-Fraud Report is not attached. - Due Diligence Vendor-01/17/2025 <br> Ready for Review- XXXX - Seller-01/16/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. XXXX - Seller-01/24/2025 <br> Ready for Review-Document Uploaded. - Seller-01/22/2025 <br> Ready for Review-XXXX - Seller-01/16/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/28/2025<br>| Qualifying DTI below maximum allowed - 19.21% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 36.01 LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3215518 |
| 4000061077 | XXXX | XXXX D A | Closed | FCRE1183 | 2025-01-15 17:39 | 2025-01-23 16:13 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Counter-Approval is not attatched - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Approval sheet - Seller-01/16/2025 <br>Open-Approval/Underwriting Summary Partially Provided Approval is missing - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/22/2025 <br>Ready for Review-Approval sheet - Seller-01/16/2025<br>| Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025<br>| Qualifying DTI below maximum allowed - 19.21% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 36.01 LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3215569 |
| 4000061077 | XXXX | XXXX D A | Closed | FCRE5782 | 2025-01-15 17:30 | 2025-01-17 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. soft pull - Seller-01/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. soft pull - Seller-01/16/2025<br>| Resolved-Received the Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/17/2025<br>| Qualifying DTI below maximum allowed - 19.21% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 36.01 LTV is less than 90% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3215509 |
| 4000061108 | XXXX | XXXX D B A C | Closed | FPRO0011 | 2025-01-21 14:39 | 2025-02-05 14:58 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. PDI attached. - Seller-02/03/2025 <br> Counter-Unable to use a lender's cert. A disaster inspection needs to be provided. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. Please find the attached lender cert. - Seller-01/24/2025 <br> Open-XXXX (XXXX)<br> Incident Period: XXXX and continuing<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. PDI attached. - Seller-02/03/2025 <br>Ready for Review-Document Uploaded. Please find the attached lender cert. - Seller-01/24/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/05/2025 | Qualifying DTI below maximum allowed - 39.79% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 37.5% LTV is less than 75% guideline maximum |  | 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 | 3247394 |
| 4000061108 | XXXX | XXXX D B A C | Closed | FPRO1255 | 2025-01-21 13:59 | 2025-01-28 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025<br>| Resolved-Received HOA Questionnaire. - Due Diligence Vendor-06/09/2025<br>| Qualifying DTI below maximum allowed - 39.79% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 37.5% LTV is less than 75% guideline maximum |  | 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 | 3246946 |
| 4000061108 | XXXX | XXXX D B A C | Closed | FPRO0008 | 2025-01-21 13:59 | 2025-01-28 14:57 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025 <br>Open-The Condo Project Warrantability is Unable to Determined. HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Questionnaire - Seller-01/24/2025<br>| Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-01/28/2025<br>| Qualifying DTI below maximum allowed - 39.79% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 37.5% LTV is less than 75% guideline maximum |  | 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 | 3246947 |
| 4000061108 | XXXX | XXXX D B A C | Closed | FCOM5135 | 2025-01-21 10:32 | 2025-01-21 10:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2025<br>| Qualifying DTI below maximum allowed - 39.79% DTI is below 49.99% maximum allowed<br>LTV is less than guideline maximum - 37.5% LTV is less than 75% guideline maximum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3244277 |
| 4000062680 | XXXX | XXXX D A | Closed | FCRE1252 | 2025-02-06 15:15 | 2025-02-26 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-02/24/2025 <br>Open-Title Document is Incomplete Missing coverage amount - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. please see attached - Seller-02/24/2025<br>| Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-02/26/2025<br>| Qualifying DTI below maximum allowed - 15% DTI vs. 49.99% max<br>LTV is less than guideline maximum - 75% LTV vs. 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3369096 |
| 4000062680 | XXXX | XXXX D A | Closed | FCRE5782 | 2025-02-06 15:33 | 2025-02-26 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/24/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2025<br>| Qualifying DTI below maximum allowed - 15% DTI vs. 49.99% max<br>LTV is less than guideline maximum - 75% LTV vs. 80% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3369363 |
| 4000063783 | XXXX | XXXX D B A | Closed | FCOM5135 | 2025-02-07 09:39 | 2025-06-09 16:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing-Originator waiver applied to non-material findings. - Due Diligence Vendor-06/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing-Originator waiver applied to non-material findings. - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3374427 |
| 4000063783 | XXXX | XXXX D B A | Closed | FCRE0200 | 2025-02-10 12:52 | 2025-03-10 14:23 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received PITIA validations. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Counter-Received HOA for XXXX and HOI for Stratus. Please provide insurance documentation for countrywood. Taxes document provided for XXXX disclose the assessed value. Please provide annual tax amount. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2025 <br> Counter-Received PITIA for XXXX. Pleas provide HOA, HOI and tax verification for XXXX and HOI verification for XXXX. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/26/2025 <br> Open-Missing PITIA documents for XXXX. Audit used Lender's figures. Missing HOA, hazard and tax documents for XXXX, if applicable. Missing hazard insurance premium for XXXX. DTI is not yet finalized and additional documentation may be required. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/26/2025<br>| Resolved-Received PITIA validations. - Due Diligence Vendor-03/10/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3387568 |
| 4000063783 | XXXX | XXXX D B A | Closed | FCRE7806 | 2025-02-11 11:26 | 2025-02-27 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3397335 |
| 4000063783 | XXXX | XXXX D B A | Closed | FCRE5782 | 2025-02-10 13:10 | 2025-02-27 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Soft pull - Seller-02/26/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3387789 |
| 4000063783 | XXXX | XXXX D B A | Closed | 123ABJ | 2025-02-11 11:19 | 2025-02-27 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received Internet Search. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. XXXX search - Seller-02/26/2025 <br> Open-Missing - Business phone number must be verifiable via XXXX, XXXX or internet. <br> - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. XXXX search - Seller-02/26/2025 | Resolved-Received Internet Search. - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3397240 |
| 4000063783 | XXXX | XXXX D B A | Closed | FCRE9488 | 2025-02-11 11:10 | 2025-02-27 16:16 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received corrected 1003. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Hello, 1003 declaration was an error. Please see attached Post 1003 - Seller-02/26/2025 <br>Open-Per Final and Initial 1003's, borrower states he will not occupy the subject property as his primary residence. Missing letter of explanation. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. Hello, 1003 declaration was an error. Please see attached Post 1003 - Seller-02/26/2025<br>| Resolved-Received corrected 1003. - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - 59.95% vs. 90% max<br>Months Reserves exceed minimum required - 13.81 months vs. 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3397100 |
| 4000061104 | XXXX | XXXX C B A | Closed | FCRE1199 | 2025-02-10 17:41 | 2025-06-09 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Upon further review, Max LTV meets requirments, nothing further required. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded.XXXX / XXXX= 74.92%<br> It's not over 75%. please clear this condition. - Seller-02/13/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Per guides, max loan amount at 75% LTV is XXXX - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. XXXX / XXXX = 74.92%<br> It's not over 75%. please clear this condition. - Seller-02/13/2025 | Resolved-Upon further review, Max LTV meets requirments, nothing further required. - Due Diligence Vendor-02/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762 vs. 660<br>Qualifying DTI below maximum allowed - 36.15% vs. 49.99% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3391871 |
| 4000061104 | XXXX | XXXX C B A | Closed | FCOM5135 | 2025-02-07 12:09 | 2025-02-07 12:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-02/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-02/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762 vs. 660<br>Qualifying DTI below maximum allowed - 36.15% vs. 49.99% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3376436 |
| 4000066308 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000066865 | XXXX | XXXX C A | Closed | FPRO1137 | 2025-02-19 14:13 | 2025-02-26 16:13 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received License. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. please see prior license - Seller-02/25/2025 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraiser used updated license, which is dated effective after the appraisal was completed. Provide prior license to show active at the time of the appraisal. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. please see prior license - Seller-02/25/2025<br>| Resolved-Received License. - Due Diligence Vendor-02/26/2025<br>| Qualifying DTI below maximum allowed - 39.68% vs. 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. allowable 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3448922 |
| 4000066865 | XXXX | XXXX C A | Closed | FCRE1198 | 2025-02-19 15:02 | 2025-02-21 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received revised cd and confirmation of closing funds and reserves. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. please see PCCD - Seller-02/19/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Insufficient Reserves - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. please see PCCD - Seller-02/19/2025<br>| Resolved-Received revised cd and confirmation of closing funds and reserves. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - 39.68% vs. 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. allowable 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3449435 |
| 4000066865 | XXXX | XXXX C A | Closed | FCRE9501 | 2025-02-19 14:44 | 2025-02-21 15:27 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. please see PCCD - Seller-02/19/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-4771.3'. Assets are Insufficient. Lending used XXXX statement ending XXXX, however; they provided a transaction statement with updated balance as of XXXX - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. please see PCCD - Seller-02/19/2025<br>| Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - 39.68% vs. 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. allowable 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3449267 |
| 4000066865 | XXXX | XXXX C A | Closed | FCRE0200 | 2025-02-19 13:44 | 2025-02-21 15:09 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received property detail confirm borrower has not ownership to address. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see property profile showing the owner is NOT the borrower - Seller-02/19/2025 <br> Open-Address of XXXX noted on the new primary mortgage statement. In the name of the Borrower and non-borrowing person. Provide documentation of ownership. If Borrower still has ownership, PITIA needs to be added to the DTI. DTI is not yet finalized, and additional information may be required. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Please see property profile showing the owner is NOT the borrower - Seller-02/19/2025<br>| Resolved-Received property detail confirm borrower has not ownership to address. - Due Diligence Vendor-02/21/2025<br>| Qualifying DTI below maximum allowed - 39.68% vs. 49.99% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. allowable 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3448552 |
| 4000066868 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000064174 | XXXX | XXXX C A | Closed | FCRE1440 | 2025-02-19 07:40 | 2025-06-10 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/10/2025 <br>Resolved-Received VOR and Verbal VOR - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Open-Housing History Does Not Meet Guideline Requirements FTHB and A third-party Verification of Rent (VOR) is required for any file when the borrower is currently renting - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/10/2025 <br>Resolved-Received VOR and Verbal VOR - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than the required 660 |  | XXXX | 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 | 3444552 |
| 4000064174 | XXXX | XXXX C A | Closed | FCRE1506 | 2025-02-19 14:35 | 2025-03-07 10:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Guidelines clarification was provided allowing a PTIN. - Due Diligence Vendor-03/07/2025 <br> Counter-XXXX for P&L program, is states CPA/EA/CTEC Prepared. Finding remains. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-was advised this will be cleared once the income conditions are cleared - Seller-03/04/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income and Credit findings - Due Diligence Vendor-02/19/2025 | Ready for Review-was advised this will be cleared once the income conditions are cleared - Seller-03/04/2025<br>| Resolved-Guidelines clarification was provided allowing a PTIN. - Due Diligence Vendor-03/07/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than the required 660 |  |  | 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 | 3449170 |
| 4000064174 | XXXX | XXXX C A | Closed | FCRE0019 | 2025-02-19 07:34 | 2025-03-07 10:24 | Resolved | 1 - Information C A | Credit | Income/Employment | PTIN Prepared P&L | Resolved-Received clarification on guides and matrix. PTIN is allowable. - Due Diligence Vendor-03/07/2025 <br>Counter-Series 6 Matrix for P&L program, is states CPA/EA/CTEC Prepared. Finding remains. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-PTIN is allowed and the letter does have the following verbiage - they have prepared the borrower's most recent tax return - Seller-03/04/2025 <br>Open-PTIN prepared the P&L. P&L prepared by CPA/EA/CTEC required along with attestation that they have prepared the borrower's most recent tax return and providing the ownership percentage. File included P&L prepared by PTIN. with - Due Diligence Vendor-02/19/2025 | Ready for Review-PTIN is allowed and the letter does have the following verbiage - they have prepared the borrower's most recent tax return - Seller-03/04/2025<br>| Resolved-Received clarification on guides and matrix. PTIN is allowable. - Due Diligence Vendor-03/07/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than the required 660 |  |  | 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 | 3444535 |
| 4000063081 | XXXX | XXXX C B A | Closed | FCRE1236 | 2025-02-21 08:44 | 2025-02-25 16:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Occupancy Not Allowed | Waived-Originator provided a waiver for FTHB on investment, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Borrower is First Time Home Buyer purchasing an Investment Property - Second Homes and Investment Properties by exception only - File is missing Exception Approval for FTHB Purchasing Investment Property - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Waived-Originator provided a waiver for FTHB on investment, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 818 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 27.00% - Max DTI = 50% | 27% DTI max of 50%<br> 15 months reserves > 6<br> 818 FICO > 660<br> 10 years same line of work | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 3459988 |
| 4000063081 | XXXX | XXXX C B A | Closed | FCRE5790 | 2025-02-21 08:29 | 2025-02-25 16:36 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap is 12 days - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 818 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 27.00% - Max DTI = 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3459896 |
| 4000063849 | XXXX | XXXX C A | Closed | FPRO0021 | 2025-02-24 14:10 | 2025-02-27 14:29 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of XXXX. No Damage - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. PDI attached - Seller-02/25/2025 <br> Open-XXXX (XXXX) Incident Period: XXXX - XXXX. PDI Required - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. PDI attached - Seller-02/25/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No Damage - Due Diligence Vendor-02/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 812 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.7% is lower than the guideline max of 49.99%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3471543 |
| 4000063853 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 4000073317 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 4000066487 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 4000068617 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 4000068603 | XXXX | XXXX C A | Closed | FCRE1205 | 2025-03-06 08:12 | 2025-03-12 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved--XXXX provided. - Due Diligence Vendor-03/12/2025 <br> Open-XXXX Check Not Completed and/or Cleared for the underwriter and the lender. Guidelines page 34 require any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction are on any of the following lists to be cleared.<br> Not applicable - Due Diligence Vendor-03/06/2025 |  | Resolved--XXXX provided. - Due Diligence Vendor-03/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 13.66% and max allowed is 49.99%<br>LTV is less than guideline maximum - LTV ius 60% and max allowed is 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3542248 |
| 4000064658 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 4000063854 | XXXX | XXXX C A | Closed | FCRE5790 | 2025-03-11 16:03 | 2025-03-13 13:50 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 32 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI 39.82 is lower than the guideline max of 49.99.<br>LTV is less than guideline maximum - Qualifying LTV 36.22 is lower than the guideline max of 70. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3585382 |
| 4000066949 | XXXX | XXXX B A | Closed | FCOM5135 | 2025-03-06 17:28 | 2025-03-07 09:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/06/2025<br>| Qualifying DTI below maximum allowed - DTI 39.28% is higher than max allowed 49.99% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 815 is higher than 680 minimum required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3550521 |
| 4000071111 | XXXX | XXXX D A C | Closed | FCRE5782 | 2025-03-26 22:15 | 2025-03-31 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Soft Pull Attached - Seller-03/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Soft Pull Attached - Seller-03/28/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 785 is higher than 660 minimum allowed <br>Qualifying DTI below maximum allowed - DTI 16.33% is lower than 49.99% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3704415 |
| 4000071111 | XXXX | XXXX D A C | Closed | finding-47 | 2025-03-25 22:26 | 2025-03-31 10:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-03/28/2025 <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 (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.The 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. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-03/28/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-03/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 785 is higher than 660 minimum allowed <br>Qualifying DTI below maximum allowed - DTI 16.33% is lower than 49.99% max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3694441 |
| 4000064441 | XXXX | XXXX D A | Closed | FCRE6737 | 2025-03-28 10:06 | 2025-03-31 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Actual rents allowed to be used if within 120% of the market rent without proof of rents received. - Due Diligence Vendor-03/31/2025 <br> Open-2 Months Rent Received in Acct #XXXX – however Rent Received is significantly less than actual lease amount – file is missing Letter of Explanation as to difference in Lease Amount used for Qualification and Rent Amount Received. Using lower market rent will result in a DSCR < 1. - Due Diligence Vendor-03/28/2025 |  | Resolved-Actual rents allowed to be used if within 120% of the market rent without proof of rents received. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 747 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3718358 |
| 4000064441 | XXXX | XXXX D A | Closed | FCRE1148 | 2025-03-28 10:19 | 2025-03-31 09:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-closing instructions provided with correct loan amount. - Due Diligence Vendor-03/31/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). File is missing Title Update/Supplement for Full Loan Amount - Due Diligence Vendor-03/28/2025 |  | Resolved-closing instructions provided with correct loan amount. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 747 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3718557 |
| 4000064441 | XXXX | XXXX D A | Closed | FCRE1198 | 2025-03-28 10:35 | 2025-03-31 09:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review meet guideline 3 months of reserves. - Due Diligence Vendor-06/09/2025 <br>Open-Audited Reserves of 5.64 month(s) are less than Guideline Required Reserves of 6 month(s) Escrows Waived - Requires 6 Months Reserves - Due Diligence Vendor-03/28/2025 |  | Resolved-Upon further review meet guideline 3 months of reserves. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 747 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3718759 |
| 4000071852 | XXXX | XXXX B A | Closed | FCOM5135 | 2025-04-02 08:14 | 2025-04-02 08:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 792 is higher than 660 minimum required score <br>Verified employment history exceeds guidelines - 20+ years Employment history exceeds guidelines |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3749724 |
| 4000065359 | XXXX | XXXX D A | Closed | FCOM1227 | 2025-04-02 16:16 | 2025-04-23 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD rider provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Counter-Received another individuals security instrument. Finding remains - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-PUD Rider is Missing - Missing PUD Rider - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-PUD rider provided. - Due Diligence Vendor-04/23/2025<br>| DSCR % greater than 1.20 - DSCR = 1.534<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 761 Min FICO = 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3756151 |
| 4000071849 | XXXX | XXXX D B A | Closed | FCRE1202 | 2025-04-10 13:39 | 2025-06-10 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/10/2025 <br>Resolved-Received Management Approval. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud score higher than 800 missing UW Cert for score - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/10/2025 <br>Resolved-Received Management Approval. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 774 is higher than the 660 minimum score required <br>Qualifying DTI below maximum allowed - DTI 39.69 is lower than max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3830452 |
| 4000071849 | XXXX | XXXX D B A | Closed | FCRE1440 | 2025-04-10 14:14 | 2025-04-16 17:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing acceptable 12 month VOR - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Received VOR - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 774 is higher than the 660 minimum score required <br>Qualifying DTI below maximum allowed - DTI 39.69 is lower than max allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3830942 |
| 4000071849 | XXXX | XXXX D B A | Closed | FCOM5135 | 2025-04-07 15:54 | 2025-04-07 15:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 774 is higher than the 660 minimum score required <br>Qualifying DTI below maximum allowed - DTI 39.69 is lower than max allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3799670 |
| 4000073040 | XXXX | XXXX D A | Closed | FCRE1159 | 2025-04-04 02:15 | 2025-04-08 07:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date on the final CD is XXXX - Due Diligence Vendor-04/08/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX FINAL DISBURSEMENT XXXX- PRIOR TO HOI - Due Diligence Vendor-04/04/2025 |  | Resolved-Disbursement date on the final CD is XXXX - Due Diligence Vendor-04/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 807 ; guidelines require 660<br>LTV is less than guideline maximum - Qualifying LTV 32.17%;Guideline max 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3780809 |
| 4000073040 | XXXX | XXXX D A | Closed | FCRE1152 | 2025-04-04 01:59 | 2025-04-08 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-XX purchase. Lender used 1.25% of the sales price. - Due Diligence Vendor-04/08/2025 <br> Open-Missing Evidence of Property Tax TAX CERT MISSING - Due Diligence Vendor-04/04/2025 |  | Resolved-XX purchase. Lender used 1.25% of the sales price. - Due Diligence Vendor-04/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 807 ; guidelines require 660<br>LTV is less than guideline maximum - Qualifying LTV 32.17%;Guideline max 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3780759 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE1440 | 2025-04-09 14:08 | 2025-06-10 15:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/10/2025 <br>Resolved-Guides indicate: Borrowers owning free and clear properties: If a borrower does not have a current mortgage payment (i.e. free and clear), no housing payment history is required to be documented. There is a mortgage on the primary that is being satisfied however, it is not in our borrower's name. Mortgage statement provided showing the mortgage is current. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Kindly see the uploaded file. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Counter-Please provide the Rent Free Letter. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM confirming 12 months mortgage history. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Kindly see the uploaded file. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Ready for Review-Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/10/2025 <br>Resolved-Guides indicate: Borrowers owning free and clear properties: If a borrower does not have a current mortgage payment (i.e. free and clear), no housing payment history is required to be documented. There is a mortgage on the primary that is being satisfied however, it is not in our borrower's name. Mortgage statement provided showing the mortgage is current. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3820039 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE5116 | 2025-04-09 14:08 | 2025-06-10 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/10/2025 <br>Resolved-Guides indicate: Borrowers owning free and clear properties: If a borrower does not have a current mortgage payment (i.e. free and clear), no housing payment history is required to be documented. There is a mortgage on the primary that is being satisfied however, it is not in our borrower's name. Mortgage statement provided showing the mortgage is current. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Counter-Please provide the Rent Free Letter. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM confirming 12 months mortgage history. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-06/10/2025 <br>Resolved-Guides indicate: Borrowers owning free and clear properties: If a borrower does not have a current mortgage payment (i.e. free and clear), no housing payment history is required to be documented. There is a mortgage on the primary that is being satisfied however, it is not in our borrower's name. Mortgage statement provided showing the mortgage is current. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3820040 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE1502 | 2025-04-09 14:30 | 2025-04-16 10:13 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved-ATR: Credit History was Considered Properly or Not Applicable - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Counter-Please provide the Rent Free Letter. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/10/2025 <br>Open-ATR: Credit History was not Considered Properly Missing VOR confirming 12 months mortgage history. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-ATR: Credit History was Considered Properly or Not Applicable - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3820362 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE1506 | 2025-04-09 15:32 | 2025-04-16 10:13 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received mortgage history. ATR/QM status meet guideline - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Counter-Please provide the Rent Free Letter. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOM for subject - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. Please review the mortgage statement included in the package. Borrower is not obligated to the mortgage. - Seller-04/10/2025<br>| Resolved-Received mortgage history. ATR/QM status meet guideline - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3821223 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE0044 | 2025-04-09 14:18 | 2025-04-16 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-updated inquiry letter provided. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br> Counter-Please provide the Rent Free Letter. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Please review the LOX - Seller-04/09/2025 <br> Open-LOX for credit inquiries is missing. LOX missing for XXXX inquiry on GAP report that appear to have resulted in new credit card. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. This file is a cash-out refinance file, and while the borrower is not personally liable for the mortgage, but is listed on title as the trustee of the family trust.<br> Considering the borrower's role and the nature of the transaction, requiring a Rent Free Letter does not appear applicable here.<br> I kindly request that this condition be reconsidered and waived. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. Please review the LOX - Seller-04/09/2025<br>| Resolved-updated inquiry letter provided. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3820202 |
| 4000073061 | XXXX | XXXX D A | Closed | FCRE1510 | 2025-04-04 13:05 | 2025-04-11 15:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please review the document - Seller-04/10/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing exhibit A attached to mortgage - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Please review the document - Seller-04/10/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO 760 ; guidelines require 660<br>Months Reserves exceed minimum required - o 46 months reserves; 0 months reserves required |  | 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 | 3786170 |
| 4000073053 | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 4000073049 | XXXX | XXXX B A | Closed | FCOM5135 | 2025-04-09 14:14 | 2025-04-09 14:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 811 is higher than the minimum 660<br>Qualifying DTI below maximum allowed - DTI 18.39% is less than the 49.99 max allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3820101 |
| 4000069677 | XXXX | XXXX C A | Closed | FCRE1509 | 2025-04-14 15:41 | 2025-04-23 12:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Updated Note provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-There are Issues Present on the Note that must be addressed. Per Tape and Lock Confirmation Loan is supposed to be Interest-Only - file is missing I/O Rider - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Updated Note provided. - Due Diligence Vendor-04/23/2025<br>| Long term residence - Long Term Residence = 6 years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 761; Min FICO = 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3859653 |
| 4000069677 | XXXX | XXXX C A | Closed | FCRE1108 | 2025-04-11 11:16 | 2025-04-23 12:07 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Updated Note provided. Loan is I/O. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01). Note is 30 year fixed and payment reflected in the Note appears to be for 10 year I/O. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Updated Note provided. Loan is I/O. - Due Diligence Vendor-04/23/2025<br>| Long term residence - Long Term Residence = 6 years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 761; Min FICO = 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3840414 |

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## Exhibit 99.21

**Exhibit 99.21**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4000056499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.97 | 69.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 4000056725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.26 | 62.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000051614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 79.93 | 79.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000055541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000057928 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4000054133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.97 | 70.97 | XXXX | XXXX | -.0137 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0137 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| 4000057651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 4000059029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000059040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000059497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 20.0 | 20.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4000060436 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000061077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.01 | 36.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4000061108 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.5 | 37.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000062680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.98 | 74.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000063783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59.95 | 59.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000061104 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.92 | 74.92 | XXXX | XXXX | -.0127 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0127 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0127 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000066308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4000066865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000066868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000064174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000063081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000063849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000063853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| 4000073317 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.46 | 79.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000066487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000068617 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.26 | 58.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000068603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000064658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 4000063854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.22 | 36.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000066949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000071111 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.79 | 71.79 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 4000064441 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000071852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000065359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000071849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 4000073040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.17 | 32.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000073061 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.56 | 45.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000073053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.22 | 61.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4000073049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.94 | 74.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4000069677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0353 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0353 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |

---

## Exhibit 99.22

**Exhibit 99.22**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 4000056499 | XXXX | XXXX | 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 | 23632.5 | 6.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000056725 | XXXX | XXXX | 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 | 7490 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000051614 | XXXX | XXXX | 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 | 14330 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | Yes | Employed |  | No |  | No |  |
| 4000055541 | XXXX | XXXX | 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 | 8420 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000057928 | XXXX | XXXX | 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 | 6140 | 7.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000054133 | XXXX | XXXX | 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 | 8885 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000057651 | XXXX | XXXX | 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 | 15050 | 7.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000059029 | XXXX | XXXX | 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 | 9993.88 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000059040 | XXXX | XXXX | 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 | 8240 | 8.736 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000059497 | XXXX | XXXX | 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 | 5090 | 7.19 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000060436 | XXXX | XXXX | 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 | 12215.75 | 8.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 4000061077 | XXXX | XXXX | 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 | 20520 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000061108 | XXXX | XXXX | 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 | 1845 | 7.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000062680 | XXXX | XXXX | 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 | 2490 | 7.582 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | XXXXX | Yes | Employed |  | No |  | No |  |
| 4000063783 | XXXX | XXXX | 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 | 1395 | 6.923 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000061104 | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 30645 | 8.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed | Employed | No | No | No |  |
| 4000066308 | XXXX | XXXX | 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 | 13423.75 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | Yes | Employed |  | No |  | No |  |
| 4000066865 | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | XXXXX | Yes | Employed |  | No |  | Yes | Present |
| 4000066868 | XXXX | XXXX | 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 | 2795 | 7.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | Yes | Employed | Employed | No | No | No |  |
| 4000064174 | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8151.25 | 8.455 | Yes | Yes | N/A | No | Yes | Yes | N/A | No | Yes | Yes | XXXXX | Yes | Employed |  | No |  | No |  |
| 4000063081 | XXXX | XXXX | 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 | XXXXX | Yes | Employed |  | No |  | Yes | Present |
| 4000063849 | XXXX | XXXX | 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 | 4330 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000063853 | XXXX | XXXX | 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 | 18890 | 8.054 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000073317 | XXXX | XXXX | 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 | XXXXX |  |  |  | No |  | Yes | Present |
| 4000066487 | XXXX | XXXX | 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 | XXXXX |  |  |  | No |  | Yes | Present |
| 4000068617 | XXXX | XXXX | 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 | 2490 | 7.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000068603 | XXXX | XXXX | 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 | 2345 | 7.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | Yes | Employed |  | No |  | No |  |
| 4000064658 | XXXX | XXXX | 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 | XXXXX |  |  |  | No |  | Yes | Present |
| 4000063854 | XXXX | XXXX | 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 | XXXXX | N/A | Employed |  | No |  | Yes | Present |
| 4000066949 | XXXX | XXXX | 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 | 2490 | 7.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000071111 | XXXX | XXXX | 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 | 10085 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000064441 | XXXX | XXXX | 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 | XXXXX |  |  |  | No |  | Yes | Present |
| 4000071852 | XXXX | XXXX | 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 | 2495 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000065359 | XXXX | XXXX | 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 | XXXXX |  |  |  | No |  | Yes | Present |
| 4000071849 | XXXX | XXXX | 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 | 9165 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000073040 | XXXX | XXXX | 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 | 2490 | 7.208 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000073061 | XXXX | XXXX | 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 | 7085 | 7.09 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000073053 | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | XXXXX | Yes | Employed |  | No |  | Yes | Present |
| 4000073049 | XXXX | XXXX | 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 | 7155 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXXXX | N/A | Employed |  | No |  | No |  |
| 4000069677 | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXXXX |  |  |  | No |  | Yes | Present |

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## Exhibit 99.23

**Exhibit 99.23**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4000056499 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| 4000056725 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per PCCD |
| 4000055541 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| 4000057928 | XXXX | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | per Note |
| 4000057928 | XXXX | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | per Note and Mtg |
| 4000057928 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| 4000057928 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| 4000054133 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000054133 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraised value; tape reflects desk review used for LTV. |
| 4000057651 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| 4000057651 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| 4000059029 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| 4000059029 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| 4000059040 | XXXX | XXXX | XXXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 12.12 | Per executed note in file. |
| 4000059040 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| 4000061077 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| 4000061108 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| 4000061108 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| 4000061108 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.79 | 31.59 | Audit DTI within tolerance of 1008 |
| 4000062680 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| 4000062680 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| 4000062680 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.87 | 18.65 | Lender used REO listed on the final 1003 in the DTI. The property is not owned by the Borrower, but non-borrowing signor. Audit did not include the property in the DTI. |
| 4000063783 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| 4000061104 | XXXX | XXXX | XXXX | Index | notePage | 4.5982 | 4.4065 | Per Note |
| 4000061104 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000066865 | XXXX | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| 4000066865 | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| 4000066868 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per title and appraisal. |
| 4000066868 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000063849 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| 4000063849 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000073317 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per Appraisal |
| 4000068617 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| 4000068603 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000063854 | XXXX | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 4000063854 | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 4000066949 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.28 | 35.80 | Audit UW used higher expenses for other REO owned |
| 4000064441 | XXXX | XXXX | XXXX | Business Entity EIN | businessPurposePage | XXXX | XXXX | per EIN Letter in file |
| 4000065359 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 4000071849 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000071849 | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 4000073040 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| 4000073061 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per CD - Disbursement date XXXX |
| 4000073049 | XXXX | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| 4000069677 | XXXX | XXXX | XXXX | Interest Only Flag | notePage | Yes | Y | Per Note |

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## Exhibit 99.24

**Exhibit 99.24**

![](ex99-24_001.jpg)

<br> FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>Executive Summary<br> OBX 2025-NQM12<br> Dated: June 13, 2025<br>

![](ex99-24_002.jpg)

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| ![](ex99-24_003.jpg) |
| Forward Thinking. Seamless Solutions. |

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**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 Onslow Bay Financial LLC, and together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 77 loans, consisting of 31 Residential Loans and 46 Business Purpose Loans, totaling an aggregate original principal balance of approximately $38,749,838.00. 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 Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC (KBRA), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

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

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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 |

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|:---|:---|:---|
| ![](ex99-24_004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1\|P a g e |

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| ![](ex99-24_003.jpg) |
| Forward Thinking. Seamless Solutions. |

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex99-24_004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2\|P a g e |

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| ![](ex99-24_003.jpg) |
| Forward Thinking. Seamless Solutions. |

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex99-24_004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3\|P a g e |

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| ![](ex99-24_003.jpg) |
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**Title Review:** Evolve's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

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

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

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.66% | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.66% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;46 | &nbsp;&nbsp;59.74% | &nbsp;&nbsp;46 | &nbsp;&nbsp;59.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;67.53% | &nbsp;&nbsp;52 | &nbsp;&nbsp;67.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;32.47% | &nbsp;&nbsp;25 | &nbsp;&nbsp;32.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;64.94% | &nbsp;&nbsp;50 | &nbsp;&nbsp;64.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;27 | &nbsp;&nbsp;35.06% | &nbsp;&nbsp;27 | &nbsp;&nbsp;35.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;77 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;31 | &nbsp;&nbsp;77 | &nbsp;&nbsp;40.26% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;61 | &nbsp;&nbsp;77 | &nbsp;&nbsp;79.22% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;3 | &nbsp;&nbsp;77 | &nbsp;&nbsp;3.90% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;77 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;77 | &nbsp;&nbsp;48.05% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;77 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;77 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;77 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;77 | &nbsp;&nbsp;6.49% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;6 | &nbsp;&nbsp;77 | &nbsp;&nbsp;7.79% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Qualified Mortgage | &nbsp;&nbsp;11 | &nbsp;&nbsp;77 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;13 | &nbsp;&nbsp;77 | &nbsp;&nbsp;16.88% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;6 | &nbsp;&nbsp;77 | &nbsp;&nbsp;7.79% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;77 | &nbsp;&nbsp;12.99% |

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**APPENDIX A**

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

 ****

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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;

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&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;

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**<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;

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

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

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

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

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

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

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

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

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

**(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)).

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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.

 

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*<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;

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.

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**(XI) FIRREA Review**

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

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

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

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

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

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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.

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

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

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

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

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

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

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

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

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&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 99.25

**Exhibit 99.25**

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| ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) | ![](ex99-25_001.jpg) |
| **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** |
| **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** |
| XXXX | 4000025266 | XXXX | XXXX | XXXX |  | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2600.00 | $2900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2600 | 1.26 | XXXX | 20241231 | 12 | No | No |  |  | NO | $0.00 | $198.83 | $66.42 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 93 | 7.6 | US Citizen |  | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 753 | 730 | 751 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 4 | XXXX | XXXX | 8 | 4 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000069456 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2375.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2375 | 1.22 | XXXX |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $190.33 | $92.26 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 53 | 2 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 720 | 742 | 743 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072455 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $5700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5700 | 1.36 | XXXX |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $689.00 | $217.37 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 24 | 2 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 720 | 742 | 743 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 4 | XXXX | XXXX | 5 | 4 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072539 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 30.516 |  | 0 |  | XXXX |  |  |  | Yes | $42130.00 |  | NO | $0.00 | $359.05 | $132.84 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 22 | 20 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000070778 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3900.00 | $5900.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | 5850 | 1.27 | XXXX | 20250710 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1009.55 | $441.75 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 198 | 5 | Permanent Resident Alien |  | 760 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 757 | 762 | 760 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | 3 | XXXX | XXXX | 5 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000070775 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6175.00 | $5900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5900 | 1.29 | XXXX | 20251101 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1009.53 | $427.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 201 | 5 | Permanent Resident Alien |  | 760 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 757 | 762 | 760 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | 3 | XXXX | XXXX | 5 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000071248 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 1.21 | XXXX |  |  |  | Yes | $60000.00 |  | NO | $0.00 | $883.40 | $173.84 | Stated, Verified | NO | 1 | 11 |  | No | No | Experienced | 19 | 7.7 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 800 | 781 | 788 | XXXX | XXXX |  | US Citizen | Stated, Verified | 782 | 792 | 796 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000067287 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2750 | 1.43 | XXXX |  |  |  | Yes | $13000.00 |  | NO | $0.00 | $281.41 | $69.84 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 383 | 0.2 | US Citizen |  | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000067044 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.41 | XXXX |  |  |  | Yes | $82200.00 |  | NO | $0.00 | $635.12 | $255.82 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 12 | 5 | US Citizen |  | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000066114 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4850.00 | $4900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4850 | 1 | XXXX | 20250731 | 12 | No | Yes | $55200.00 |  | NO | $0.00 | $1035.77 | $232.34 | Stated, Verified | NO | 1 | 13 |  | No | No | Experienced | 83 | 10 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 736 | 733 | 734 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 5 | 1 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000069829 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4500 | 1.08 | XXXX |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $1218.21 | $266.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 7.2 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000066315 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3600.00 | $3600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3600 | 1.01 | XXXX | 20260930 | 36 |  | Yes | $36000.00 |  | NO | $0.00 | $424.31 | $339.65 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 96 | 6 | US Citizen | US Citizen | 732 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 00 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 730 | 737 | 781 | XXXX | XXXX |  | US Citizen | Stated, Verified | 736 | 716 | 732 | Not Required | Not Required | XXXX |  | XXXX | 1 | XXXX | XXXX | 1 | 1 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000066606 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $8000.00 | $8000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 8000 | 1.02 | XXXX | 20251231 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $474.90 | $265.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 27 | 18 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | 2 | XXXX | XXXX | 7 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000069439 | XXXX |  | XXXX | XXXX | XXXX | XXXX | ALTDOC | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 36.362 |  | 0 |  | XXXX |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $1164.76 | $210.64 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 11 | 4.8 | Permanent Resident Alien |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000066249 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 1 | XXXX |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $312.85 | $81.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 5 | 2.1 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000065849 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.01 | XXXX |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $411.88 | $115.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 17 | 12 | US Citizen |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000075513 | XXXX |  | XXXX | XXXX | XXXX | XXXX | ALTDOC | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 25.196 |  | 0 | 0 | XXXX |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $320.73 | $71.67 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 119 | 3.9 | US Citizen | US Citizen | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000059967 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3650.00 | $2650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2650 | 0.94 | XXXX | 20260101 | 24 | No | Yes | $37270.00 |  | NO | $0.00 | $347.48 | $75.09 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 14 | 20 | US Citizen |  | 685 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000072432 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 35.823 |  | 0 |  | XXXX |  |  |  | Yes | $30000.00 |  | YES | $440.00 | $446.02 | $94.48 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 24 | 8.9 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXX |  | US Citizen | Stated, Verified | 789 | 781 | 757 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072411 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1725.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1725 | 1.48 | XXXX |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $164.23 | $208.84 | Stated, Verified | NO | 1 | 15 |  | No | No | Experienced | 38 | 4 | US Citizen | US Citizen | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000074957 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3600.00 | $3750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3600 | 1.62 | XXXX | 20260306 | 12 |  | Yes | $28200.00 |  | NO | $0.00 | $262.18 | $156.77 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 4.6 | Permanent Resident Alien |  | 709 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000067697 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $1800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1750 | 1.58 | XXXX | 20260327 | 12 |  | Yes | $25000.00 |  | NO | $0.00 | $30.68 | $61.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 62 | 3.5 | US Citizen |  | 764 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000067530 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.28 | XXXX |  |  |  | Yes | $18000.00 |  | NO | $0.00 | $266.65 | $113.50 | Stated, Verified | NO | 1 | 14 |  | No | No | Experienced | 188 | 12 | US Citizen | US Citizen | 777 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 803 | 791 | 752 | XXXX | XXXX |  | US Citizen | Stated, Verified | 792 | 777 | 752 | Not Required | Not Required | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000070962 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.01 | XXXX |  |  |  | Yes | $100000.00 |  | YES | $369.00 | $645.56 | $126.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 310 | 10 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000067165 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4300 | 1.02 | XXXX |  |  |  | Yes | $50000.00 |  | YES | $700.00 | $734.38 | $30.50 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 19 | 7.6 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000075501 | XXXX |  | XXXX | XXXX | XXXX | XXXX | ALTDOC | Yes | Yes | $4250.00 | $4300.00 | FNMA 1007/216 | Leases | No |  | 0 | 44.092 |  | 0 |  | XXXX | 20250314 | 12 | Yes | Yes | $0.00 | Yes | YES | $393.00 | $690.03 | $108.93 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 7.6 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| XXXX | 4000068901 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | 1 | XXXX |  |  |  | Yes | $29500.00 |  | NO | $0.00 | $208.88 | $148.63 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 18 | 7 | Non Permanent Resident Alien |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000070518 | XXXX |  | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2195.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 40.582 |  | 0 |  | XXXX |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $376.88 | $124.16 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 107 | 0.9 | US Citizen | US Citizen | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000038910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $20000.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 15000 |  |  | 15000 | 2.2 | XXXX |  |  |  | Yes | $0.00 | Yes | YES | $54.17 | $395.00 | $343.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 122 | 9 | US Citizen |  | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 781 | 795 | 760 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000068008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.14 | XXXX |  |  |  | Yes | $0.00 | Yes | YES | $34.17 | $323.80 | $116.76 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 18 | 7 | US Citizen |  | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXX |  | US Citizen | Stated, Verified | 800 | 807 | 790 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000070698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 32.218 |  | 0 |  | XXXX |  |  |  | Yes | $39000.00 |  | YES | $95.00 | $414.60 | $156.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 58 | 9 | US Citizen |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 776 | 775 | 785 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000068001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 37.099 |  | 0 |  | XXXX |  |  |  | Yes | $44250.00 |  | YES | $89.00 | $261.30 | $130.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 24 | 6 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 795 | 791 | 799 | XXXX | XXXX |  | US Citizen | Stated, Verified | 808 | 798 | 796 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1800.00 | $2000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1800 | 1.12 | XXXX | 20261231 | 24 | No | Yes | $35000.00 |  | NO | $0.00 | $153.17 | $89.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 8 | 4 | US Citizen |  | 739 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000068965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3800.00 | $3900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3800 | 1 | XXXX | 20250922 | 12 |  | Yes | $45600.00 |  | NO | $0.00 | $601.98 | $85.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 84 | 17 | US Citizen |  | 706 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000065141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 30.09 |  | 0 |  | XXXX |  |  |  | Yes | $42900.00 |  | NO | $0.00 | $809.47 | $120.17 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 18 | 2 | US Citizen | US Citizen | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000068972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 34.594 |  | 0 |  | XXXX |  |  |  | Yes | $81000.00 |  | NO | $0.00 | $821.88 | $166.21 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 26 | 20 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No |  |
| XXXX | 4000068009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.23 | XXXX |  |  |  | Yes | $0.00 | Yes | YES | $250.00 | $273.88 | $53.75 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 307 | 3.9 | US Citizen | US Citizen | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| XXXX | 4000070696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $25968.75 | FNMA 1007/216 | Short Term Rental Documents | Yes | 1007/216 | 25969 | 5.063 |  | 0 |  | XXXX |  |  |  | Yes | $140000.00 |  | YES | $2033.22 | $1345.54 | $202.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 55 | 2 | US Citizen |  | 725 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 742 | 721 | 725 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000068844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 0.93 | XXXX |  |  |  | Yes | $40400.00 |  | NO | $0.00 | $85.35 | $115.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 13 | 0 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 5 | 4 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000071662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | AirBNB | 5433 | 3.243 |  | 0 |  | XXXX |  |  |  | No |  |  | YES | $1271.00 | $826.45 | $310.26 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 40 | 9 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000071659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1880.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 24.955 |  | 0 | 0 | XXXX |  |  |  | Yes | $15500.00 |  | NO | $0.00 | $71.23 | $121.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 29 | 2 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000072680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2200.00 | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2200 | 1.5 | XXXX | 20240131 | 12 |  | Yes | $49820.00 |  | NO | $0.00 | $228.99 | $166.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 43 | 7 | US Citizen |  | 688 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000071658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5150.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4300 | 1.86 | XXXX | 20250509 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $617.21 | $195.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 85 | 12 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 779 | 761 | 785 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 2 | XXXX | XXXX | 6 | 4 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | 1.12 | XXXX |  |  |  | Yes | $19800.00 |  | NO | $0.00 | $224.72 | $202.83 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 6 | 4 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 768 | 705 | 723 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| XXXX | 4000072615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $20000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 20000 | 1.43 | XXXX |  |  |  | Yes | $240000.00 |  | YES | $3574.00 | $760.50 | $282.33 | Stated, Verified | NO | 2 | 5 |  | No | No | Experienced | 116 | 2 | Permanent Resident Alien |  | 745 | 0 | 0 | 52 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 2 | 2.1 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| XXXX | 4000071660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 31.263 |  | 0 | 0 | XXXX |  |  |  | Yes | $98000.00 |  | NO | $0.00 | $541.07 | $93.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 2 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |

---

## Exhibit 99.26

**Exhibit 99.26**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) | ![](ex99-26_001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 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 Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 4000038910 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | Max Cash out is $XXXXX Borrower received $XXXXX at closing per final CD. |  | Compensating Factors: Lower LTV (39.535%) reduces risk; Strong collateral in desirable area; Experienced Investor and STR experience as subject has been owned since 02/20222. |  |  |  | 06/17/2024 | B | 2 | XXXX | TN | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000025266 | XXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Desk review is missing a value. Need acceptable second collateral evaluation. | received CCA 3rd valuation. |  | Reviewer 02/02/2024 06:15 AM; Variance is XXX due to the XXXXX XXXX is XXXX and XXXXX XXXXX is XXXXX XXXXX XXXX needs to reflect a XXXXX XXXXX<br>| 02/13/2024 |  |  | A | 1 | XXXX | OK | 3 | 13 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000025266 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final approval. | Approval provided. |  |  | 02/02/2024 |  |  | A | 1 | XXXX | OK | 3 | 13 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000025266 | XXXX | XXXX | XXXX | XXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | 1003 provided included income information not allowed on DSCR loan programs. | Corrected 1003 provided. |  |  | 02/02/2024 |  |  | A | 1 | XXXX | OK | 3 | 13 | D | A | D | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000060693 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The loan file is missing the rental agreement and verification of XXXXX gross rental income, as well as verification of property tax and hazard insurance expenses for the REO listed in Section 3b (Additional Property) of the application, as required by guidelines for the XXXX XXXX/XXXXX. The Loan Underwriting Analysis indicates the rental agreement and checks were used in evaluating rental income, and guidelines require the underwriter to verify the properties' actual liens, including balances and PITI, for all properties owned by the borrower(s). | received mortgage statement/ PITI included in mortgage payment $XXXXX |  |  | 01/10/2025 |  |  | A | 1 | XXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000060693 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require that senior management approve exceptions for self-employed borrowers with less than 2 years of self-employment in the same business. The primary borrower became self-employed in XXXXX XXXXX. |  | Compensating factors: XX mortgage and overall credit history; strong income, plus not using the co-borrower's income for qualifying; low DTI with high residual income. |  |  |  | 01/22/2025 | B | 2 | XXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000059967 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan Approval missing from file. | Loan Approval provided. |  |  | 02/18/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000059967 | XXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA required as CU score is > 2.5 | CDA provided |  |  | 01/31/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000066249 | XXXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Provide 1004D for appraisal indicated subject to completion. | 1004D received |  |  | 02/27/2025 |  |  | A | 1 | XXXX | PA | 3 | 1 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000065283 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | The loan file is missing the following documentation requirements in accordance to section 8.5.1.2 of the guidelines for using 12 Month Profit & Loss income Borrower's narrative on nature of business not provided; The 12 Month Profit and Loss statement is not signed by the borrower; The Enrolled Agent did not attest they have performed either an audit of the business financial statements or reviewed working papers provided by the borrower. | received letter from CPA |  | Reviewer 03/03/2025 06:25 PM; Nature of business is listed on the XXX business XXXX form received. XXXX X<br>| 03/06/2025 |  |  | A | 1 | XXXX | GA | 1 | 13 | D | A | D | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000065283 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan approval is missing from the loan file. The credit review is on hold until documentation is received. | TPS Image Processing |  |  | 02/27/2025 |  |  | A | 1 | XXXX | GA | 1 | 13 | D | A | D | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000065283 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/04/2025 |  |  | A | 1 | XXXX | GA | 1 | 13 | D | A | D | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000065283 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for the increase in Points on the final CD and the increase in the Re-inspection fee. Violation amount is $XXXXX of which the final CD cured $XXX, leaving $XXXXX left to be cured. Need a PCCD with full cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | Information provided |  |  | 03/04/2025 |  |  | A | 1 | XXXX | GA | 1 | 13 | D | A | D | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000065849 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide copy of Loan Approval. Copy provided is partially cut off on right side. | received revised 1008 |  | Reviewer 03/10/2025 09:53 PM; the document received is the same document originally submitted. XXXXX provided is partially cut off on right side.<br>Reviewer 03/12/2025 04:52 PM; received loan approval; however, the XXXXX does not match the loan amount of XXXX and interest of XXXX<br>Reviewer 03/13/2025 01:56 PM; Please provide a revised XXXXX to match the loan approval and note with correct loan amount and interest rate<br>| 03/16/2025 |  |  | A | 1 | XXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066315 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception provided reflected an interest rate of 8.25% vs final interest rate of 8.75%. Provide updated exception reflecting correct interest rate and if still valid. |  | Exception email approving updating the rate to 8.75%. Compensating Factors: 100 months reserves; property owned free and clear | Reviewer 03/11/2025 08:06 PM; Received the XXXXX confirmation at XXXXX XXXX the XXXX approval with correct interest rate of XXXX<br>Client 03/18/2025 12:47 PM; Please read the e-mail uploaded in its an entirety. XXXXX is the exception. <br>Reviewer 03/18/2025 02:11 PM; Exception has been captured XXXX <br>|  |  | 03/18/2025 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066315 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide updated Final Loan Approval reflecting the interest as 8.75%. | Revised Approval provided. |  | Reviewer 03/11/2025 08:04 PM; The XXXX XXXX and XXXXX XXXXX XXXXX approval dated XXXX reflects interest rate of XXXX<br>| 03/17/2025 |  |  | A | 1 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066315 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Property is located on a street with a double yellow line and Agricultural Zoned Property. Page 1 of appraisal indicates subject property zoned as Agricultural Rural Estate. Title indicates the premises have a XXXX-Qualified Farm designation which is also reflected on the tax cert. |  | Compensating Factors: 100 months reserves; property owned free and clear |  |  |  | 03/10/2025 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067287 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX statements to verify assets missing from file retirement $XXXX, Money Market $XXXX and Money Market $XXXX. In addition, it appears large deposits into XX XX #XXX were transferred from XXXXX XX XXXX large deposits/transfers from XXXX Large deposits into XX XX #XXX - XX/XX $XXXXX, XX/XX $XXXX, XX/XX $XXXXX, XX/XX $XXXXX. | received documentation of large deposits and balances of $XXXXX and $XXXXX in XXXXX account. Other amounts are not required. |  |  | 03/13/2025 |  |  | A | 1 | XXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067530 | XXXX | XXXX | XXXX | XXXX | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the sales contract/purchase agreement. | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067530 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing EIN documentation. | Received IRS EIN |  | Reviewer 03/16/2025 11:21 AM; Provide the XXXX documentation from XXX<br>| 03/18/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066114 | XXXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the personal guaranty for review. | Information provided |  | Reviewer 03/17/2025 10:35 AM; No documentation provided<br>| 03/20/2025 |  |  | A | 1 | XXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066114 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | received loan approval |  |  | 03/19/2025 |  |  | A | 1 | XXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000068008 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require an extension of the expiration date of the credit report be approved by senior management. The credit report is dated XXXX, expired on XXXX, and was extended to XXXX. |  | Compensating Factors: 7 years residence time; 14 years credit depth; Perfect credit; Seasoned property investor. |  |  |  | 03/02/2025 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000068008 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require management discretion to use gifts funds. Using non-borrowing spouse's checking account with access letter instead of gift letter. |  | Compensating Factors: 7 years residence time; 14 years credit depth; Perfect credit; Seasoned property investor. |  |  |  | 03/02/2025 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000066380 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Deviation Request- Master HOA dwelling water coverage. |  | Compensating Factors- XX credit, great mortgage history, residual income >15k/month, nice clean collateral with significant equity, 65% LTV and 801 fico score |  |  |  | 02/05/2025 | B | 2 | XXXX | MT | 2 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000068970 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing an approved exception for the borrower being in business for less than 2 years. |  | Exception approval received for <2 year employment/ Compensating Factors - LTV 33%, Credit 717, reserves $XXXK, residual $XK |  |  |  | 03/11/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068003 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum Payment Shock 3.0x. Borrower currently has no housing expense. | Loan approval states Management approval for housing deviation |  | Client 03/03/2025 10:00 AM; Approval noted on the XXXX loan summary for housing deviation. XXXX<br>Reviewer 03/03/2025 10:54 AM; Condition has been reviewed. XXX<br>| 03/03/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068967 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \*EXCEPTION Pay Shock must be under 3X |  | DEVIATION: Pay Shock is 5.081% more than 3X COMPENSATING FACTORS: Good time as XXX, Assets: XXXX, Pride in ownership living in primary for 8 years, FICO 747 and no derogatory credit and mortgage paid XX |  |  |  | 03/04/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068967 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower is a DACA NPRA with a Social Security Card and EAD Card |  | DEVIATION: Visa Type is C33 COMPENSATING FACTORS: Good time as XXXX, Assets: XXXXX Pride in ownership living in primary for 8 years, FICO 747 and no derogatory credit and mortgage paid XX |  |  |  | 03/04/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068965 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower does not have a recent 0x30x24 on a mortgage history. |  | The exception was granted for no recent mortgage history with the following compensating factors: Borrower's FICO is 706. The borrower has owned the primary residence for 17+ years. The credit depth is 38 years. |  |  |  | 03/04/2025 | B | 2 | XXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000065141 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Verbal Verification of employment from XXXX XX XXXXX for borrower | Received VVOE for Borrower |  |  | 02/26/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000065141 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory evidence borrower is 100% owner of XXX XXX XXXXX XXXX dba XX XXXXX | Received CA SOS - XX XXXX XXX XXX is owner of XXX XX XX XX |  | Client 02/26/2025 11:04 AM; Per XXX XXXXX borrower is the only director and the only officer of the company. XXXXX owns XXXXX of the company. XXXX<br>Reviewer 02/26/2025 12:46 PM; Condition has been reviewed. XXX<br>| 02/26/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000065141 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Satisfactory evidence of verbal verification from self employment is required | Received VVOE for CB |  |  | 02/26/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067999 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for co-borrower's self-employment less than 2 years in new business. |  | Exception approved to use the recently purchased business. Compensating factors: FICO scores of 803 and 772, all mortgages paid as agreed, credit depth of 12 years with 0 late payments. |  |  |  | 03/04/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067999 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Provide evidence co-borrower's business has been in operation for 2 years. |  | Exception approved to use the recently purchased business. Compensating factors: FICO scores of 803 and 772, all mortgages paid as agreed, credit depth of 12 years with 0 late payments. |  |  |  | 03/04/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067999 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Provide exception to use bank statements from co-borrower's new business which was not previously owned by the co-borrower and co-borrower has access to the business account. |  | Exception approved to use the income from business that were purchased XXXX Compensating factors: FICO scores of 803 and 772, all mortgages paid as agreed, credit depth of 12 years with 0 late payments. |  |  |  | 03/04/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067999 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide Self Employment Questionnaire (SEQ) for co-borrower's new business. | Per comments on the loan approval summary document. XXXXX XXXXX & XXXX is an aka of the X XXXX XXX & XXX XXXX organization. |  | Reviewer 03/05/2025 01:02 PM; Documents received did not include the XXX questionnaire co-borrower's new business.<br>Reviewer 03/06/2025 04:14 PM; The document received XXXX reflects business name of XXXXX XXXX & XXXX XXXX final XXXXX signed and dated reflects business name of XX XXXXX & XXXXX<br>| 03/07/2025 |  |  | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067999 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Housing history required 0x30x12. Borrowers have no current housing history. Prior mortgage last reported 02/2024. |  | Compensating Factors: Mid FICO Borrower 803, Co-borrower 772; All mortgages paid as agreed; Credit depth of 12 years; Never had any late payments with 12 year credit depth. |  |  |  | 03/03/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068972 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing voe. | Received 10 day VVOE |  | Reviewer 03/04/2025 09:37 PM; Verbal verification of employment is required for wage earner, and it must be obtained within XXX business days prior to the note date for employment income.<br>| 03/06/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000068972 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | Guidelines require tax transcripts or WVOE be provided for full documentation loan reviews. | received transcripts |  |  | 03/06/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000065524 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Per Guidelines lender will not finance more than 20% of the unites in any one project. Subject property is the 11th unit resulting in 30% exposure. |  | Compensating factors; 757 credit score, XX in reserves, 20% own funds down. |  |  |  | 03/04/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068002 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum payment shock 3.0x. |  | Compensating Factors: Mid FICO 808; All mortgages paid as agreed; Credit depth 16 years; Never had any late payments; High residual income of $XXXX per month. |  |  |  | 03/03/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000067975 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Satisfactory evidence of Taxes $XXX,and Ins $XXXXX for departing residence | received tax and HOI |  |  | 02/26/2025 |  |  | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067975 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | P&L loans require Self Employment to be noted on Credit report. |  | Exception granted for Self employment not reporting on borrowers credit report. Excellent credit history, Low DTI 37.74%, High Residual income $XXXX strong SE history. |  |  |  | 02/26/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000068844 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Sr.Management approval is required for DSCR <1 (.93) | Received approval for DSCR under 1.00. Compensating Factors - score 727, reserves $44K |  |  | 03/16/2025 |  |  | A | 1 | XXXX | AZ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000068973 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Properties must be 100% complete. Exception request for water leak with water proofing to be completed on the subject's parking garage by 12/25. |  | Compensating factors: S/# 18 years, 33-year credit depth, perfect credit. |  |  |  | 03/12/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000068901 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Business Purpose & Occupancy Affidavit missing from file. | received affidavit |  |  | 03/21/2025 |  |  | A | 1 | XXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000068901 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan Approval missing from file. | Received Loan approval |  |  | 03/21/2025 |  |  | A | 1 | XXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000068901 | XXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA CU Score missing from file. If CU score is > 2.5, CDA required. | Received FNMA score - 1 |  |  | 03/21/2025 |  |  | A | 1 | XXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide initial application for proof of initial application date. | Documents received |  | Reviewer 04/01/2025 10:56 AM; No documentation provided<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide lender's approval. | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the Flood Certificate. | Documents received |  | Reviewer 04/01/2025 10:56 AM; No documentation provided<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide personal guaranty. | Documents received |  | Reviewer 04/01/2025 10:56 AM; No documentation provided<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide operating agreement. | Information provided |  | Reviewer 03/27/2025 01:09 PM; Operating agreement is for XXXXX XXX XXXX XXXXX taking title is XXXX XXXXX XXXX XXXXX XXXX agreement for XXXX XXXXX XXXXX <br>| 03/28/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard Insurance expires XXXX, Please provide updated policy for review. | Documents received |  | Reviewer 04/01/2025 10:56 AM; No documentation provided<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification Borrower is 100% owner of XXX XXX XXX Note if owned by another LLC - Verification of LLCs are owned 100% by Borrower. Note Max 4 layers of LLC/Corp owners per guidelines. Annaly to approve multiple layers of LLC and approve signatures on all docs to meet legal requirements for multiple layers of LLC/Corp owners. | Borrower is 100% owner |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Minimum 1 month asset statements to verify reserves missing from file per 1003 =XXXXX and XXXXX $XXXX. | Received account statements |  | Reviewer 03/30/2025 02:57 PM; Please provide the asset accounts<br>| 03/31/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Relationship and access letter required for asset accounts with additional owners. | Fidelity account is in borrower's name. The XXX account in name of XXXX XXXX is managed by XXX XX, XXX in borrower's name |  | Reviewer 03/30/2025 02:57 PM; Please provide the asset accounts<br>| 03/31/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Lease Agreements for all 3 units missing from file. Unit #X $XXXXX, Unit #X $XXXXX, unit #X $XXXX. | Leases provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | A letter of explanation by the Borrower/Guarantor is required to detail relevant real estate experience. | LOE Provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | 6 months' rent loss missing from file. HOI Dec page reflects coverage but refers to addendum for coverage. The addendum is missing. | Policy Dec page received reflects 24 months of fair rental value on page 2 of 3 |  |  | 04/01/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report with all high and medium alerts clear missing from file. | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA missing fro file | Stewart CDA value $XXXX, within 10%. |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit Report missing from file. | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | All LLC docs missing LLC Formation docs, EIN, Operating Agreement EIN, good standing. | Business documents received |  | Reviewer 03/26/2025 06:20 AM; \*\*\*\*\*\*EIN outstanding - XXXXXX XXXXX good standing and XXXX XXXX provided.<br>| 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification Primary residence is free and clear and LOE to meet guidelines 7.2 | Documents received |  |  | 03/31/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Loan approval provided. |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LOE explaining mailing address XXXX XX XXXX XXXX XX, XXXX, XXX XXXX missing from file. | LOE provided |  |  | 04/03/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit refresh within 10 days of close missing from file | Credit Refresh provided |  |  | 04/03/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LOE Inquiry XXXXX X/X/XXXX missing from file. | Credit Report states No New Debt Acquired. |  |  | 04/03/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of Perm resident alien status missing from file. | PRA card provided |  |  | 04/03/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070775 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Multiple critical credit documents are missing from the loan file including the loan approval, credit report, XXX, lease agreement, LLC documentation in accordance with Annaly guidelines, PRA verification. The credit review is on hold until these documents are received. Please see additional deficiencies set for full list of missing documents | TPS Image Processing |  |  | 03/25/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan Approval missing from file | Provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Credit Report missing from file. | Provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Mortgage rating or verification primary is owned free and clear with LOE per guidelines missing from file | received satisfaction of Mortgage |  | Reviewer 03/26/2025 06:48 AM; LOE provided, need evidence free and clear,<br>Reviewer 03/26/2025 11:04 PM; LOE from borrower will not clear this condition. XXXX documentation from public records showing property is owned with no liens.<br>| 03/30/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Initial 1003 missing from file | provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA missing from file | CDA $XXXX within 10% |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Credit refresh dated within 10 days of the note missing from file | Provded |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Flood insurance missing from file | Flood Declaration provided. |  | Reviewer 03/26/2025 02:25 PM; The flood cert received reflects property is in XXX flood zone and requires flood insurance. XXXX appraisal reflects property is in XXXX<br>Reviewer 03/26/2025 11:02 PM; Received flood insurance. XXXX revised appraisal with correct XXXX zone<br>| 04/01/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Lease Agreement for unit #X $XXX/mo and Lease Agreement fir unit #XX $XXXX missing from file. | Lease Agreements uploaded from XXXXX |  |  | 06/06/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | LOE for any inquiries on credit report missing from file | Received LOE for XXXXX |  | Reviewer 04/02/2025 09:09 AM; Inquiry for XXXX XXXXX was not addressed on the credit report <br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report with al high and medium alerts clear missing from file | Fraud Report moved from XXXX |  |  | 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of Perm Resident Alien status missing from file. | Received permanent Resident Alien card. FL Driver License provided; however, a DL is not a verification of PRA. |  | Reviewer 04/02/2025 05:35 PM; Received XXXXX verification. XXXX not receive proof of XXXX XXXXX XXXX XXXX<br>Reviewer 04/02/2025 05:36 PM; FL XXXXX XXXX provided; however, a XXX is not a verification of XXXX XXXXX XXXXX verification. XXXX not receive proof of XXXX XXXXX XXXX XXXX<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | 3rd party verification of SSN missing from file | Fraud Report reflects SSN as Pass |  |  | 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Asset verification missing from file. Assets required to verify reserves. Minimum 1 month required. | Bank statement provided moved from XXXXX |  | Reviewer 03/31/2025 05:30 PM; Received document several times for another loan number. XXXXX send image to this loan number<br>| 04/02/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Relationship and access letter from XXXXX XXXXX for XXXX missing from file. | Received access letter |  | Reviewer 03/31/2025 05:30 PM; Received document several times for another loan number. XXXXX send image to this loan number<br>| 04/01/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | All LLC docs missing from file LLC Formation, Operating Agreement, EIN, Good standing. | Received business documents |  | Reviewer 03/26/2025 06:51 AM; Operating XXXX provided - still need XXXX XXXX and XXXXX standing<br>| 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LOE from Borrower detailing relevant real estate experience missing from file. | LOE provided |  |  | 04/01/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LOE from Borrower addressing additional mailing address in file XXXX XX XXXX XXXX XXX, XXXX, XXX missing from file. | LOE provided. |  |  | 04/03/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Multiple critical credit documents are missing from the loan file including the loan approval, credit report, UDM, lease agreement, LLC documentation in accordance with XXXX guidelines, PRA verification. The credit review is on hold until these documents are received. Please see additional deficiencies set for full list of missing documents | DOcuments received |  |  | 03/25/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the Lender's Approval. | Information provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the operating agreement/articles of incorporation. | Information provided |  | Reviewer 03/26/2025 01:19 PM; Operating agreement is not for XXXXX XXXXX XXXXX the purchasing entity<br>| 03/27/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the personal guaranty. | Information provided |  | Reviewer 03/31/2025 08:46 AM; NO documentation provided<br>| 03/31/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide the flood insurance policy. | Information provided |  |  | 03/27/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX | XXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide initial application for proof of initial application date. | Information provided |  | Reviewer 03/31/2025 08:46 AM; NO documentation provided<br>| 03/31/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| XXXX | 4000067044 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Provide exception form as required for borrower owning a manufactured house titled as personal property and not real property. An email was provided but the exception form was not completed and provided. Also please reflect the exception is allowed as a blanket exception covering the borrower as a FTHB. |  | Received exception approval. Compensating Factors - Score- 817, 13 months reserves, LTV 52% |  |  |  | 03/28/2025 | B | 2 | XXXX | NY | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070696 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | The property address on flood cert is missing the unit #XX | Information provided |  |  | 03/20/2025 |  |  | A | 1 | XXXX | UT | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070696 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The 2nd appraisal is missing from the loan file. The credit review is on hold until documents are received. | Documents provided |  |  | 03/17/2025 |  |  | A | 1 | XXXX | UT | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070289 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The P&L program requires that the business used to qualify should be reported on the borrowers credit. |  | The exception for no listing of the borrower's business on the credit report was granted with the following compensating factors: LTV is low at 50.432% The FICO is 807 no derogatory credit. The DTI is 33.085%. The borrower has high residual income at $XXXXX and high cash reserves at $XXXXX |  |  |  | 03/20/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000070700 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Need 12 months of current housing. Deviation Request-No current housing. |  | Compensating Factors-Good assets, nice collateral, 796 fico with no derogatory, not an abuser of credit and 3 years on current job. |  |  |  | 03/20/2025 | B | 2 | XXXX | MO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000070700 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for Pay Shock > 3.0 when DTI is less than 45%. | Management approval for borrower not having any housing history in loan details of loan approval. This lack of housing history is what is driving the payment shock. |  | Client 03/24/2025 03:22 PM; Management approval for borrower not having any housing history in loan details of loan approval. XXXXX lack of housing history is what is driving the payment shock. XXXX you. <br>Reviewer 03/24/2025 03:55 PM; Condition has been reviewed. XXX<br>| 03/24/2025 |  |  | A | 1 | XXXX | MO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000064468 | XXXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $XXXXX due to addition of Reinspection fee added on X/XX (it was known in XXXXX that a reinspection fee was needed). Please provide evidence of refund along with LOX to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. | Information provided |  |  |  | 06/16/2025 |  | B | 2 | XXXX | NY | 1 | 13 | C | B | A | A | C | B | A | A |  | Non-QM | 1 |
| XXXX | 4000064468 | XXXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/02/2025 |  |  | A | 1 | XXXX | NY | 1 | 13 | C | B | A | A | C | B | A | A |  | Non-QM | 1 |
| XXXX | 4000069678 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Documents Expired |  | CPA letter provided is expired. Provide updated CPA letter. | received updated CPA letter |  |  | 04/01/2025 |  |  | A | 1 | XXXX | NY | 1 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000069678 | XXXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/01/2025 |  |  | A | 1 | XXXX | NY | 1 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000069678 | XXXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Application is signed and dated by LO on X/XX. Need initial LE issued within 3 days of this date. | Information provided |  |  | 04/01/2025 |  |  | A | 1 | XXXX | NY | 1 | 1 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072495 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Missing LE. Need initial LE and any other revised LE. | Documentation provided |  |  | 04/08/2025 |  |  | A | 1 | XXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072495 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 04/08/2025 |  |  | A | 1 | XXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072495 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide final loan approval. | Received loan approval |  |  | 04/07/2025 |  |  | A | 1 | XXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072495 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement analysis worksheet. | received income worksheet |  |  | 04/07/2025 |  |  | A | 1 | XXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000067165 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | The gift letter provided did not include the depository institution information as required. Please provide a properly completed gift letter. | Received completed gift letter |  |  | 04/07/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072616 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | The Title commitment shows vested in XXXXX XXXX XXXXX XXXX, XX., a XXXX XXXXX, should be XXXXX XXXXX XXXX. There is a deed in file, however it is not executed. | Information provided |  | Reviewer 03/27/2025 09:07 AM; Deed provided has not been executed. XXXXX fully executed and recorded XXXXX XXXX or XXXXX XXXXX transferring title to XXXX XXXX XXXXX <br>| 03/28/2025 |  |  | A | 1 | XXXX | VA | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071665 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Borrower does not meet the active tradeline requirement. |  | The exception was granted for the borrower not meeting minimum number of active tradelines required with the following compensating factors: 14 years on the job; 759 FICO; Mortgage 0x30x15 and 67% of own funds. |  |  |  | 03/24/2025 | B | 2 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000071274 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal |  | Appraisal - Compliance \ Appraisal - Appraisal Must be "As is" |  | Appraisal is subject to completion, please provide completion certificate along with color photos for review. | Information provided |  |  | 03/27/2025 |  |  | A | 1 | XXXX | UT | 1 | 13 | C | A | A | A | C | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000071662 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Satisfactory verbal verification of employment dated within 10 days of note date XXXXX | received 10 day VVOE |  |  | 03/23/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071662 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Supply satisfactory evidence of Primary Residence Free and Clear, and monthly taxes of $XXXXX and insurance of $XXXXX, with no HOA | Received primary home tax and HOI and proof of no liens (see HOI) |  |  | 03/23/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071667 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Need Initial CD showing it was disclosed within 3 days of Application. LE provided is dated XXXX | Documentation provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | TX | 1 | 3 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000071667 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need Initial CD showing it was received 3 days prior to consummation. Initial CD provided is dated XXXXX | Documentation provided |  |  | 03/26/2025 |  |  | A | 1 | XXXX | TX | 1 | 3 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000071667 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 03/26/2025 |  |  | A | 1 | XXXX | TX | 1 | 3 | C | A | A | A | C | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072610 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Satisfactory evidence mortgage with XX XXXX XXXXX for departing residence includes full escrows for taxes and insurance | Received PITI |  |  | 04/02/2025 |  |  | A | 1 | XXXX | PA | 1 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000071666 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Sr Management approval for subject being located in Rural area | Received Sr Mgmt approval for rural property |  |  | 03/30/2025 |  |  | A | 1 | XXXX | CA | 2 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000071666 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Satisfactory evidence mortgage with XXXX XXXX for $XXXX includes full escrows, as well as HOA of $XXXX monthly for primary residence at XXXX XXXX XXX XXX. | received XXXXX mortgage statement with escrows. no HOA |  |  | 03/27/2025 |  |  | A | 1 | XXXX | CA | 2 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000071659 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | The Title Commitment shows title vested in XXXXX XXXXX and XXXXX XXXXX, should be XXXX XXXXX and XXXX XXXX, husband and wife. There is a XXX Warranty Deed in file, however it is not executed. | Information provided |  |  | 03/31/2025 |  |  | A | 1 | XXXX | MO | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071659 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for residual income of $XXXXX (6 family members) being under the required residual income of $XXXXX |  | Approval granted for residual income of $XXXXX (6 family members) being under the required residual income of $XXXXX. The compensating factors are 1) Recently renovated property 2) Clean mortgage history 3) post-closing reserves in excess of the required 6 months. |  |  |  | 03/28/2025 | B | 2 | XXXX | MO | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072680 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-AMC's should be on LMC's approved list. Deviation Request-Non-approved AMC on appraisal. |  | Compensating Factors- 1 active mortgage paid 0x30x73, credit reporting since 2003, low ltv of 42% reduces risk. |  |  |  | 03/26/2025 | B | 2 | XXXX | RI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072606 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | 12-month rental verification missing from file. | received VOR |  |  | 04/01/2025 |  |  | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A |  | Higher Priced QM (APOR) | 1 |
| XXXX | 4000071660 | XXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Missing required 6 months reserves. The borrower is short the required 6 months reserves by a total of $XXXXX. |  | Received exception approval for reserves/ Comp Factors - score 804, 2 year residence, 75% LTV, residual income $XXXXX | Reviewer 03/31/2025 11:45 AM; Guidelines require XX months XXXXX as reserves. XXXX exception approval for lack of XX months reserves.<br>|  |  | 04/01/2025 | B | 2 | XXXX | NH | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | Application |  | Application - Other: |  | Please provide updated application reflecting the citizen status as Permanent Resident. | Information provided |  | Reviewer 04/10/2025 02:14 PM; no documentationp rovided<br>| 04/16/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | dated fully executed 1003 reflecting Borrower is a Perm Resident Alien required. The one in file reflects Borrower as a U.S. Citizen. | received revised 1003 with borr as PRA |  |  | 04/16/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Updated CPA letter required. The CPA letter in file is dated XXXX. | Received updated CPA letter |  | Reviewer 04/10/2025 09:06 PM; The document provided was the same one original provided which was dated XXXXX<br>| 04/21/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Wire confirmation for gift wired to title company missing from file $XXXX. | Received Wire |  |  | 04/10/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Wire confirmation for gift wired to title company missing from file $XXXX. | Wire Confirmation provided |  | Reviewer 04/10/2025 09:30 PM; Documents provided did not include the wire of XXXXX gift to title company.<br>Reviewer 04/11/2025 02:33 PM; Must provide confirmation of wire to title company XXXXX received wire to XXXXX XXXX<br>| 04/15/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Wire confirmation for gift wired to title company missing from file $XXXX. | Received official check payable to atty |  |  | 04/10/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Borrower is short funds to close and reserves. Cash required to close $XXXXX + 6 months reserve $XXXX + 2 months reserve for other financed properties $XXXX = Total funds required $XXXX. Borrower verified funds $XXXX = short $XXXXX. | Updated XXXX statement provided |  | Reviewer 04/10/2025 09:43 PM; XXX XXXX statement with XXXX is dated XXXXX and is more than XXX days from the date of the note XXXXX XXXX updated XXXX statement to reflect sufficient funds for closing and reserves.<br>| 04/22/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071248 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final loan approval | received final approval |  |  | 04/10/2025 |  |  | A | 1 | XXXX | NY | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072411 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Approval received |  |  | 04/17/2025 |  |  | A | 1 | XXXX | LA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072611 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | The Flood Certificate reflected the subject property address house number as XXXX; however, the Note reflected the house number as XXXX. Property address must match the Note. | Information provided |  |  | 04/15/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072611 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception no rent history with payment shock over 3.0X |  | Compensating Factors: Assets after close $XXXX Stable employment history Low credit utilization |  |  |  | 04/11/2025 | B | 2 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| XXXX | 4000072614 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines-Max LTV is 75% for the loan program. Deviation Request-LTV is >75% |  | Compensating Factors: 723 FICO; self-employed over 4 years; over 20% equity in property; Seasoned investor with all trades paid as agreed 0x30 |  |  |  | 04/10/2025 | B | 2 | XXXX | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072614 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-150k is the minimum loan amount. Deviation Request-Loan amount is <$XXX...($XXXX |  | Compensating Factors: 723 FICO; self-employed over 4 years; over 20% equity in property; Seasoned investor with all trades paid as agreed 0x30 |  |  |  | 04/10/2025 | B | 2 | XXXX | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000072614 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- 6-month seasoning is required. Deviation Request-less than 6-months seasoning |  | Compensating Factors: 723 FICO; self-employed over 4 years; over 20% equity in property; Seasoned investor with all trades paid as agreed 0x30 |  |  |  | 04/10/2025 | B | 2 | XXXX | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067697 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for Housing history - Private Party VOM is being utilized for subject property mortgage payment history. |  | Compensating Factors: FICO score (764) is above program minimum (660) by > 20 points; PITIA reserves exceed 6 months, borrower has > 125 months of reserves; Reduction in housing payment by > 10%; Current payment $XXXXX/mo New payment is < $XXXXXper month; Excellent housing history. More than 24 months satisfactory housing history. |  |  |  | 04/18/2025 | B | 2 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000067697 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Provide fraud report with all high and medium alerts cleared. | Drive Report provided. |  |  | 04/18/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070962 | XXXX | XXXX | XXXX | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Preliminary title provided does not include a loan policy amount. Provide Supplement which reflects a title loan policy amount equal to or greater than the loan amount. | CPL provided discusses the loan amount. |  | Client 04/21/2025 10:11 AM; The XXXX that was provided does discuss the loan amount. XXX have provided for other files XXXX and this has been acceptable. XXXX you please review and clear?<br>Reviewer 04/21/2025 10:46 AM; Condition has been reviewed. XXX<br>| 04/21/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070518 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final loan approval. | received final approval |  |  | 04/24/2025 |  |  | A | 1 | XXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000071089 | XXXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide completed business narrative. Blank signed forms not allowable. | Business Tax Returns provided |  | Client 04/28/2025 12:15 PM; why do we need this it was a full doc loan with XXX<br>Reviewer 04/29/2025 01:13 PM; Condition has been reviewed. XXX<br>| 04/29/2025 |  |  | A | 1 | XXXX | NY | 1 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| XXXX | 4000072455 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | The loan is ineligible as a DSCR loan as the borrower is an Employee of the originating lender and can only proceed as a Full Doc loan. |  | Exception approved. Comp factors: 742 FICO, 75% LTV, 23.65 months reserves | Client 04/24/2025 11:16 AM; This is a full loan doc loan. XXXX you please review and waive?<br>Reviewer 04/24/2025 01:13 PM; Please email XXXXX for review and response. <br>|  |  | 04/25/2025 | B | 2 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000069456 | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | The loan is ineligible as a DSCR loan as the borrower is an Employee of the originating lender and can only proceed as a Full Doc loan. |  | Comp factors: 80% LTV, 742 FICO |  |  |  | 04/30/2025 | B | 2 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000070314 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/08/2025 |  |  | A | 1 | XXXX | CA | 1 | 13 | C | B | C | A | C | B | A | A |  | Non-QM | 1 |
| XXXX | 4000070314 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Please provide PCCD that reflects the prepaid interest start date corrected to XXXXX | pccd provided |  |  |  | 05/08/2025 |  | B | 2 | XXXX | CA | 1 | 13 | C | B | C | A | C | B | A | A |  | Non-QM | 1 |
| XXXX | 4000070314 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement analysis worksheet. | Received bank statement analysis worksheet. |  |  | 05/12/2025 |  |  | A | 1 | XXXX | CA | 1 | 13 | C | B | C | A | C | B | A | A |  | Non-QM | 1 |
| XXXX | 4000075511 | XXXX | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Provide fraud report with all high and medium alerts cleared. | Received fraud report with PASS score |  |  | 05/11/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| XXXX | 4000075501 | XXXX | XXXX | XXXX | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the Business Purpose Affidavit. | Information provided |  |  | 05/12/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| XXXX | 4000074957 | XXXX | XXXX | XXXX | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide email referenced on 1008 regarding use of ADU income. Additional conditions may apply. | Received documentation referred to on 1008 |  |  | 05/20/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |

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## Exhibit 99.27

**Exhibit 99.27**

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| ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) | ![](ex99-27_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | 4000025266 | XXXXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000069456 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072455 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072539 | XXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070778 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070775 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072495 | XXXX | XXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000064468 | XXXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000063205 | XXXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071248 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067287 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067044 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000066114 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000069829 | XXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000066315 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000066606 | XXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000069439 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000066249 | XXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071089 | XXXXX | XXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000065849 | XXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000069678 | XXXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000075513 | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000059967 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072432 | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072411 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000074957 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067697 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000067530 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000075511 | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070962 | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000069583 | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067165 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000075501 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070314 | XXXX | XXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068901 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070518 | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000065283 | XXXX | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000038910 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000060693 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068008 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000066380 | XXXXXX | XXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068964 | XXXXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070698 | XXXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000068001 | XXXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000068970 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072616 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000068003 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000068967 | XXXXXX | XXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068965 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000065141 | XXXXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067999 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068972 | XXXXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000065524 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068002 | XXXXXX | XXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068009 | XXXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000067975 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000070696 | XXXXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070289 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000071665 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000068844 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000068973 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000071274 | XXXXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070697 | XXXXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000070700 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000071662 | XXXXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071667 | XXXXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072610 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071666 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072613 | XXXXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071659 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072680 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000071658 | XXXXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072611 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072614 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| XXXX | 4000072606 | XXXXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000072615 | XXXXXX | XXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4000071660 | XXXXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |

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## Exhibit 99.28

**Exhibit 99.28**

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 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** | **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** | **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** |
| XXXX | 4000025266 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | inconclusive | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000069456 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXX | 4000072455 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXXX | 1.85% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072539 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000070778 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.41% | XXXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070775 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.41% | XXXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072495 | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000064468 | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXX | 4000063205 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXX | 4000071248 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXX | 4000067287 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000067044 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000066114 | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXX | 4000069829 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000066315 | XXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXX | 4000066606 | XXXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000069439 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000066249 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000071089 | XXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -9.27% | XXXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| XXXX | 4000065849 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000069678 | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXX | 4000075513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXX | 4000059967 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXX | 4000072432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000072411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000074957 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXX | 4000067697 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000067530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000075511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000070962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000069583 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000067165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000075501 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXX | 4000070314 | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXX | 4000068901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000070518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000065283 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXX | 4000038910 | XXXXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000060693 | XXXXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068008 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000066380 | XXXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068964 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070698 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068001 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068970 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072616 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068003 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068967 | XXXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068965 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000065141 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000067999 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068972 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000065524 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068002 | XXXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068009 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000067975 | XXXXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070696 | XXXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | XXXXX |  | 0.00% | XXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070289 | XXXXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071665 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068844 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000068973 | XXXXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071274 | XXXXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070697 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000070700 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071662 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071667 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072610 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071666 | XXXXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072613 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071659 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072680 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071658 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072611 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4000072614 | XXXXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072606 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000072615 | XXXXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4000071660 | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.29

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) | ![](ex99-29_001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 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** |
| XXXX | 4000025266 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000069456 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072455 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072539 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000070778 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| XXXX | 4000070775 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| XXXX | 4000072495 | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.352% | Self-Employed |  | US Citizen |  |  |  | Yes | $19823.07 |
| XXXX | 4000064468 | XXXXX | Non-QM | N/A | No | XXXX | No | No | $7540.00 | XXXX | 7.441% | Self-Employed |  | US Citizen |  |  |  | Yes | $8382.50 |
| XXXX | 4000063205 | XXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 8.058% | Self-Employed |  | US Citizen |  |  |  | Yes | $9278.07 |
| XXXX | 4000071248 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000067287 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000067044 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000066114 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000069829 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000066315 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000066606 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000069439 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $14175.47 |
| XXXX | 4000066249 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000071089 | XXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $5043.63 | XXXX | 7.173% | Self-Employed |  | US Citizen |  |  |  | Yes | $30607.83 |
| XXXX | 4000065849 | XXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000069678 | XXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.557% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $21763.02 |
| XXXX | 4000075513 | XXXX | Exempt | N/A | No | XXXX | Yes | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000059967 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072432 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072411 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000074957 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| XXXX | 4000067697 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000067530 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000075511 | XXXX | Exempt | N/A | No | XXXX | Yes | No |  | XXXX | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $4561.02 |
| XXXX | 4000070962 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000069583 | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.506% | Employed |  | US Citizen |  |  |  | Yes | $6423.87 |
| XXXX | 4000067165 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000075501 | XXXX | Exempt | N/A | No | XXXX | Yes | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7688.89 |
| XXXX | 4000070314 | XXXX | Non-QM | N/A | No | XXXX | No | No | $1875.00 | XXXX | 7.153% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $30014.10 |
| XXXX | 4000068901 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| XXXX | 4000070518 | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000065283 | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.658% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000038910 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000060693 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.068% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13973.69 |
| XXXX | 4000068008 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000066380 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $24595.00 | XXXX | 7.856% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16462.98 |
| XXXX | 4000068964 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.341% | Self-Employed |  | US Citizen |  |  |  | Yes | $8768.25 |
| XXXX | 4000070698 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $12213.20 |
| XXXX | 4000068001 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000068970 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.774% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9382.51 |
| XXXX | 4000072616 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000068003 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.281% | Employed |  | US Citizen |  |  |  | Yes | $3631.16 |
| XXXX | 4000068967 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.635% | Self-Employed |  | Non Permanent Resident Alien |  |  |  | Yes | $25068.21 |
| XXXX | 4000068965 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000065141 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $13042.32 |
| XXXX | 4000067999 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.458% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10244.21 |
| XXXX | 4000068972 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000065524 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.362% | Self-Employed |  | US Citizen |  |  |  | Yes | $10042.75 |
| XXXX | 4000068002 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.467% | Employed |  | US Citizen |  |  |  | Yes | $13855.05 |
| XXXX | 4000068009 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| XXXX | 4000067975 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.469% | Self-Employed |  | US Citizen |  |  |  | Yes | $12426.71 |
| XXXX | 4000070696 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000070289 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.511% | Self-Employed |  | US Citizen |  |  |  | Yes | $17399.08 |
| XXXX | 4000071665 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.788% | Employed |  | US Citizen |  |  |  | Yes | $7598.40 |
| XXXX | 4000068844 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000068973 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.925% | Self-Employed |  | US Citizen |  |  |  | Yes | $13243.57 |
| XXXX | 4000071274 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.449% | Self-Employed |  | US Citizen |  |  |  | Yes | $4880.81 |
| XXXX | 4000070697 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 7.889% | Self-Employed |  | US Citizen |  |  |  | Yes | $55186.22 |
| XXXX | 4000070700 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.883% | Employed |  | US Citizen |  |  |  | Yes | $8663.35 |
| XXXX | 4000071662 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $34513.60 |
| XXXX | 4000071667 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.249% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $15897.23 |
| XXXX | 4000072610 | XXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 7.706% | Retired |  | US Citizen |  |  |  | Yes | $6459.81 |
| XXXX | 4000071666 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $10545.87 | XXXX | 7.865% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $17768.65 |
| XXXX | 4000072613 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.183% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9160.61 |
| XXXX | 4000071659 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2216.34 |
| XXXX | 4000072680 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| XXXX | 4000071658 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072611 | XXXXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | XXXX | 8.114% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10067.30 |
| XXXX | 4000072614 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| XXXX | 4000072606 | XXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | XXXX | 8.219% | Employed |  | US Citizen |  |  |  | Yes | $7659.90 |
| XXXX | 4000072615 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| XXXX | 4000071660 | XXXXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $6345.47 |

---

## Exhibit 99.30

**Exhibit 99.30**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) | ![](ex99-30_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** | **Run Date - 06/13/2025 11:57:59 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | 4000025266 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000025266 | XXXX | Qualifying DTI | 0.05594 |  | Verified |
| XXXX | 4000025266 | XXXX | DSCR |  | 1.260 | Verified |
| XXXX | 4000025266 | XXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4000025266 | XXXX | Doc Type | NoRatio | Debt Service Coverage | Verified |
| XXXX | 4000069456 | XXXX | DSCR |  | 1.220 | Verified |
| XXXX | 4000069456 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000069456 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000072455 | XXXX | DSCR |  | 1.360 | Verified |
| XXXX | 4000072455 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000072455 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000072455 | XXXX | Property Street Address | XXXX | XXXX | Verified |
| XXXX | 4000072455 | XXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000072539 | XXXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000072539 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000070778 | XXXX | Qualifying Credit Score | 0 | 760 | Verified |
| XXXX | 4000070778 | XXXX | Original CLTV |  | 0.648649 | Verified |
| XXXX | 4000070778 | XXXX | DSCR |  | 1.27 | Verified |
| XXXX | 4000070778 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000070778 | XXXX | Original LTV |  | 0.648649 | Verified |
| XXXX | 4000070778 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000070778 | XXXX | Property Street Address | XXXX | XXXX | Verified |
| XXXX | 4000070775 | XXXX | Qualifying Credit Score | 0 | 760 | Verified |
| XXXX | 4000070775 | XXXX | Original CLTV |  | 0.648649 | Verified |
| XXXX | 4000070775 | XXXX | Original LTV |  | 0.648649 | Verified |
| XXXX | 4000070775 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000070775 | XXXX | DSCR |  | 1.290 | Verified |
| XXXX | 4000070775 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000072495 | XXXX | Qualifying Credit Score | 701 | 727 | Verified |
| XXXX | 4000072495 | XXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000072495 | XXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000072495 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000072495 | XXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000064468 | XXXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000064468 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000064468 | XXXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000063205 | XXXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000063205 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000063205 | XXXXX | Property Street Address | XXXX | XXXX | Verified |
| XXXX | 4000063205 | XXXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000071248 | XXXXX | Qualifying Credit Score | 0 | 788 | Verified |
| XXXX | 4000071248 | XXXXX | DSCR |  | 1.210 | Verified |
| XXXX | 4000071248 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000071248 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000071248 | XXXXX | Qualifying DTI | 0.19507 |  | Verified |
| XXXX | 4000067287 | XXXXX | Qualifying Credit Score | 0 | 751 | Verified |
| XXXX | 4000067287 | XXXXX | DSCR |  | 1.430 | Verified |
| XXXX | 4000067287 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000067287 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000067287 | XXXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000067044 | XXXXX | Qualifying Credit Score | 0 | 808 | Verified |
| XXXX | 4000067044 | XXXXX | DSCR |  | 1.410 | Verified |
| XXXX | 4000067044 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000067044 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000066114 | XXXXX | Qualifying Credit Score | 0 | 734 | Verified |
| XXXX | 4000066114 | XXXXX | DSCR |  | 1.000 | Verified |
| XXXX | 4000066114 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000066114 | XXXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000066114 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000069829 | XXXXX | Qualifying Credit Score | 0 | 793 | Verified |
| XXXX | 4000069829 | XXXXX | DSCR |  | 1.080 | Verified |
| XXXX | 4000069829 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000069829 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000069829 | XXXXX | Qualifying DTI | 0.13871 |  | Verified |
| XXXX | 4000066315 | XXXXX | Qualifying Credit Score | 0 | 732 | Verified |
| XXXX | 4000066315 | XXXXX | DSCR |  | 1.010 | Verified |
| XXXX | 4000066315 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000066315 | XXXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000066315 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000066315 | XXXXX | Qualifying DTI | 17.56750 |  | Verified |
| XXXX | 4000066606 | XXXXX | Qualifying Credit Score | 0 | 727 | Verified |
| XXXX | 4000066606 | XXXXX | DSCR |  | 1.020 | Verified |
| XXXX | 4000066606 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000066606 | XXXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000066606 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000069439 | XXXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000069439 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000066249 | XXXXX | Qualifying Credit Score | 0 | 752 | Verified |
| XXXX | 4000066249 | XXXXX | DSCR |  | 1.000 | Verified |
| XXXX | 4000066249 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000066249 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000066249 | XXXXX | Qualifying DTI | 5.20680 |  | Verified |
| XXXX | 4000071089 | XXXXX | Doc Type |  | Full | Verified |
| XXXX | 4000071089 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000071089 | XXXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000065849 | XXXXX | Qualifying Credit Score | 0 | 727 | Verified |
| XXXX | 4000065849 | XXXXX | Original CLTV | 0.8 | 0.75 | Verified |
| XXXX | 4000065849 | XXXXX | DSCR |  | 1.010 | Verified |
| XXXX | 4000065849 | XXXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000065849 | XXXXX | Interest Only | N | Y | Verified |
| XXXX | 4000065849 | XXXXX | Original LTV | 0.8 | 0.75 | Verified |
| XXXX | 4000065849 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000065849 | XXXXX | Original P&I | $1092.89 | 859.77 | Verified |
| XXXX | 4000069678 | XXXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000069678 | XXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000069678 | XXXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000075513 | XXXX | Qualifying Credit Score | 771 | 796 | Verified |
| XXXX | 4000075513 | XXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000075513 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000059967 | XXXX | DSCR |  | 0.94 | Verified |
| XXXX | 4000059967 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000059967 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000072432 | XXXX | Self-Employment Flag | N | Y | Verified |
| XXXX | 4000072432 | XXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000072432 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000072411 | XXXX | DSCR |  | 1.48 | Verified |
| XXXX | 4000072411 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000072411 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000074957 | XXXX | DSCR |  | 1.62 | Verified |
| XXXX | 4000074957 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000074957 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000067697 | XXXX | DSCR |  | 1.58 | Verified |
| XXXX | 4000067697 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000067697 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000067530 | XXXX | DSCR |  | 1.28 | Verified |
| XXXX | 4000067530 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000067530 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000067530 | XXXX | Property Street Address | XXXX | XXXX | Verified |
| XXXX | 4000075511 | XXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000075511 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000075511 | XXXX | Property Street Address | XXXX | XXXX | Verified |
| XXXX | 4000075511 | XXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000070962 | XXXX | DSCR |  | 1.01 | Verified |
| XXXX | 4000070962 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000070962 | XXXX | Interest Only | N | Y | Verified |
| XXXX | 4000070962 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000070962 | XXXX | Original P&I | $2908.27 | 2132.42 | Verified |
| XXXX | 4000069583 | XXXX | Doc Type |  | Full | Verified |
| XXXX | 4000069583 | XXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000069583 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000069583 | XXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000067165 | XXXX | Self-Employment Flag | N | Y | Verified |
| XXXX | 4000067165 | XXXX | DSCR |  | 1.02 | Verified |
| XXXX | 4000067165 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000067165 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000075501 | XXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000075501 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000075501 | XXXX | Property Type | Detached Condo | Condo-Lo 1-4 Stories | Verified |
| XXXX | 4000070314 | XXXX | Original CLTV | 0.7 | 0.672269 | Verified |
| XXXX | 4000070314 | XXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000070314 | XXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000070314 | XXXX | Original LTV | 0.7 | 0.672269 | Verified |
| XXXX | 4000070314 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000070314 | XXXX | Qualified Mortgage | N | Y | Verified |
| XXXX | 4000068901 | XXXX | DSCR |  | 1 | Verified |
| XXXX | 4000068901 | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| XXXX | 4000068901 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000068901 | XXXX | Qualified Mortgage | Y | N | Verified |
| XXXX | 4000070518 | XXXX | Doc Type |  | Bank Statement | Verified |
| XXXX | 4000070518 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000065283 | XXXX | Doc Type |  | Alternative Doc | Verified |
| XXXX | 4000065283 | XXXX | Loan Purpose | Refinance | Refinance - Cash Out | Verified |
| XXXX | 4000065283 | XXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4000065283 | XXXX | Property Type | Single Family | PUD-Detached | Verified |
| XXXX | 4000038910 | XXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4000038910 | XXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4000038910 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000060693 | XXXX | Original Amortization Term | 360 | 240 | Verified |
| XXXX | 4000060693 | XXXX | Interest Only | N | Y | Verified |
| XXXX | 4000060693 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000068008 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000068964 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000068964 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000070698 | XXXX | DSCR | 0.924 |  | Verified |
| XXXX | 4000068001 | XXXX | DSCR | 1.121 |  | Verified |
| XXXX | 4000068970 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000072616 | XXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4000072616 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000072616 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000068003 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000068967 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000068965 | XXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4000068965 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000065141 | XXXX | DSCR | 0.679 |  | Verified |
| XXXX | 4000065141 | XXXX | Self-Employment Flag | N | Y | Verified |
| XXXX | 4000065141 | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| XXXX | 4000067999 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000068972 | XXXX | DSCR | 0.570 |  | Verified |
| XXXX | 4000068972 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000065524 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000068009 | XXXX | Appraised Value | XXXX | XXXX | Verified |
| XXXX | 4000068009 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000068009 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000070696 | XXXX | DSCR | 1.231 |  | Verified |
| XXXX | 4000070696 | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| XXXX | 4000070289 | XXXX | PITI | 4716.03 | 7739.33 | Verified |
| XXXX | 4000068844 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000068973 | XXXX | PITI | 7992.1 | 8018.68 | Verified |
| XXXX | 4000070697 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000070700 | XXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4000070700 | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| XXXX | 4000071662 | XXXX | Qualifying DTI | 0.10136 | 0.03243 | Verified |
| XXXX | 4000071662 | XXXX | DSCR | 1.063 |  | Verified |
| XXXX | 4000071667 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000072610 | XXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4000072610 | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| XXXX | 4000071666 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000072613 | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| XXXX | 4000071659 | XXXX | DSCR | 1.504 |  | Verified |
| XXXX | 4000072680 | XXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4000072680 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000072680 | XXXX | Property Zip | XXXX | XXXXX | Verified |
| XXXX | 4000071658 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000072614 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000072615 | XXXX | DSCR | 1.407 | 1.430 | Verified |
| XXXX | 4000072615 | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4000071660 | XXXX | DSCR | 0.799 |  | Verified |
| XXXX | 4000071660 | XXXX | Self-Employment Flag |  | N | Verified |

---

## Exhibit 99.31

**Exhibit 99.31**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) | ![](ex99-31_001.jpg) |
| **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** | **Additional Data** |
| **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** | **Run Date - 06/13/2025 11:58:00 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** |
| XXXX | 4000025266 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 | XXXX | X | $2385.96 | $797.04 |  |  |  |  |  |  |  |  | 20231204 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX |  | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  | No |  |  |  |  | 93 |  |
| XXXX | 4000069456 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2283.96 | $1107.12 |  |  |  |  |  |  |  |  | 20250226 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1.3 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 53 |  |
| XXXX | 4000072455 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.13% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 | XXXX | X | $8268.00 | $2608.44 |  |  |  |  |  |  |  |  | 20250226 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 24 |  |
| XXXX | 4000072539 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $18948.16 | 1 | XXXX | X | $4308.60 | $1594.08 |  |  |  |  |  | 30.516% |  |  | 20250319 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 22 |  |
| XXXX | 4000070778 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 | XXXX | AE | $12114.60 | $5301.00 |  |  |  |  |  |  |  |  | 20250203 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 198 |  |
| XXXX | 4000070775 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 | XXXX | AE | $12114.36 | $5132.04 |  |  |  |  |  |  |  |  | 20250203 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 201 |  |
| XXXX | 4000072495 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.352% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $19823.07 | 1 | XXXX | AE | $21752.88 | $10918.08 |  |  |  |  |  | 41.392% |  | 41.392% | 20250326 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 26 |  |
| XXXX | 4000064468 | XXXXX | Non-QM | XXXX | Yes | No | $7540.00 | $8921.37 | XXXX | 7.441% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8382.50 | 1 | XXXX | X | $13280.40 | $2401.32 |  |  |  |  |  | 42.946% |  | 42.946% | 20250113 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2024-12/2024 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 02/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/21/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2025; | [Borrower] 4506 or 4506T - 2023;<br> [Borrower] 4506 or 4506T - 2022; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $7540.00 |  |  | 0 | 2.6 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 9 |  |
| XXXX | 4000063205 | XXXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10548.34 | $12715.39 | XXXX | 8.058% | XXXX | XXXX | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9278.07 | 1 | XXXX | X | $15373.56 | $2550.00 |  |  |  |  |  | 36.013% | 36.013 |  | 20250128 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Audited | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 01/2025;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 12/2024 12 months;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 02/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 10/2018; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 22000 | 2 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 7 |  |
| XXXX | 4000071248 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $10600.80 | $2086.08 |  |  |  |  |  |  |  |  | 20250303 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1.3 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.21 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 19 |  |
| XXXX | 4000067287 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3376.92 | $838.08 |  |  |  |  |  |  |  |  | 20241210 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.43 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 383 |  |
| XXXX | 4000067044 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $7621.44 | $3069.84 |  |  |  |  |  |  |  |  | 20250210 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 12 |  |
| XXXX | 4000066114 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | AE | $12429.24 | $2788.08 |  |  |  |  |  |  |  |  | 20241218 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1.1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 83 |  |
| XXXX | 4000069829 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | AE | $14618.52 | $3201.00 |  |  |  |  |  |  |  |  | 20250313 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 12 |  |
| XXXX | 4000066315 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $5091.72 | $4075.80 |  |  |  |  |  |  |  |  | 20250124 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 00 |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 2.4 |  | No |  | N/A | 8.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing | Yes |  |  |  |  | 96 |  |
| XXXX | 4000066606 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $5698.80 | $3187.08 |  |  |  |  |  |  |  |  | 20250107 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 27 |  |
| XXXX | 4000069439 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14175.47 | 1 | XXXX | X | $13977.12 | $2527.68 |  |  |  |  |  | 36.362% |  |  | 20250117 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - C-Corp] P&L Statement - 3/2024-2/2025 - 12 months;<br> [Borrower - Primary Income - C-Corp] CPA Letter - 2/2024;<br> [Borrower - Primary Income - C-Corp] Self-Employment Questionnaire (SEQ) - 4/2025;<br> [Borrower - Primary Income - C-Corp] Secretary of State (SOS) - 3/2025;<br> [Borrower - Primary Income - C-Corp] Telephone Listing / Internet Search / Directory Assistance - 4/2025;<br> [Borrower - Primary Income - C-Corp] VVOE - 4/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 11 |  |
| XXXX | 4000066249 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3754.20 | $972.00 |  |  |  |  |  |  |  |  | 20250212 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 5 |  |
| XXXX | 4000071089 | XXXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $5043.63 | $11521.25 | XXXX | 7.173% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $30607.83 | 1 | XXXX | X | $5634.60 | $8552.28 |  |  |  |  |  | 27.988% | 27.988 |  | 20250122 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% |  | Borrower Prepared | [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 04/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 01/2024-03/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 03/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] VVOE - 04/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 04/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] 1040 - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $5043.63 |  |  | 10000 | 4.8 |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 34 |  |
| XXXX | 4000065849 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | C | $4942.56 | $1389.00 |  |  |  |  |  |  |  |  | 20250123 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 17 |  |
| XXXX | 4000069678 | XXXXX | Non-QM | XXXX | Yes | No | $12140.00 | $13943.28 | XXXX | 7.557% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $21763.02 | 1 | XXXX | X | $12693.96 | $2020.08 |  |  |  |  |  | 17.338% |  | 17.338% | 20250227 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 02/2024-01/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 2.4 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 10 |  |
| XXXX | 4000075513 | XXXXX | Exempt | XXXX | No | Yes |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $63246.11 | 1 | XXXX | X | $3848.76 | $860.04 |  |  |  |  |  | 25.196% |  |  | 20250326 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Third Party Verification - 03/2025 27 months;<br> [Borrower - Primary Income - Wages] VVOE - 04/2025;<br> [Borrower - Primary Income - Wages] Investment Statements - 12/2023 12 months;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 03/2025 26 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 04/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 2.9 | Approve/Eligible | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 119 | 27 |
| XXXX | 4000059967 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $4169.76 | $901.08 |  |  |  |  |  |  |  |  | 20241127 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 3.6 |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.94 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 14 |  |
| XXXX | 4000072432 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17287.88 | 1 | XXXX | X | $5352.24 | $1133.76 | XXXX | CA | $440.00 |  | Monthly | 35.823% |  |  | 20250226 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 04/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 04/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing | No | Alternative Doc |  |  |  | 24 |  |
| XXXX | 4000072411 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $1970.76 | $2506.08 |  |  |  |  |  |  |  |  | 20250328 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.48 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 38 |  |
| XXXX | 4000074957 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | AE | $3146.16 | $1881.24 |  |  |  |  |  |  |  |  | 20250213 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 3.8 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.62 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 8 |  |
| XXXX | 4000067697 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $368.16 | $743.04 |  |  |  |  |  |  |  |  | 20250307 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.58 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 62 |  |
| XXXX | 4000067530 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.63% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X500 | $3199.80 | $1362.00 |  |  |  |  |  |  |  |  | 20250201 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.28 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 188 |  |
| XXXX | 4000075511 | XXXXX | Exempt | XXXX | Yes | Yes |  |  | XXXX | 0.00% | XXXX | XXXX | 7.63% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $4561.02 | 1 | XXXX | X | $6333.24 | $1098.96 |  |  |  |  |  | 37.306% |  |  | 20250312 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Third Party Verification - 03/2025 27 months;<br> [Borrower - Primary Income - Wages] VVOE - 04/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 25 | 1 | Approve/Eligible | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 44 | 27 |
| XXXX | 4000070962 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $7746.72 | $1521.00 | XXXX | CA | $369.00 |  | Monthly |  |  |  | 20250311 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 310 |  |
| XXXX | 4000069583 | XXXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1950.00 | $3472.41 | XXXX | 7.506% | XXXX | XXXX | 7.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6423.87 | 1 | XXXX | X | $1942.44 | $1162.20 | XXXX | CA | $395.00 |  | Monthly | 40.764% | 40.764 |  | 20250218 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/19/2024-12/25/2024;<br> [Borrower - Primary Income - Wages] WVOE - 01/2025 25 months;<br> [Borrower - Primary Income - Wages] VVOE - 03/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 100 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | Yes | Full |  |  |  | 22 | 25 |
| XXXX | 4000067165 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $8812.56 | $366.00 | XXXX | CA | $700.00 |  | Monthly |  |  |  | 20250218 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 19 |  |
| XXXX | 4000075501 | XXXXX | Exempt | XXXX | No | Yes |  |  |  | 0.00% | XXXX | XXXX | 6.99% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7688.89 | 1 | XXXX | X | $8280.36 | $1307.16 | XXXX | CA | $393.00 |  | Monthly | 44.092% |  |  | 20250305 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 02/2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 03/2025 26 months;<br> [Borrower - Primary Income - Wages] VVOE - 04/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 03/2025;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 03/2025 26 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 04/2025; | [Borrower] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2023; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1.1 | Approve/Eligible | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 18 | 26 |
| XXXX | 4000070314 | XXXXX | Non-QM | XXXX | Yes | No | $1875.00 |  | XXXX | 7.153% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $30014.10 | 1 | XXXX | X | $29975.04 | $14073.48 |  |  |  |  |  | 38.419% |  | 38.419% | 20250318 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 04/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 04/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $1875.00 |  |  | 5318.5 | 2.8 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 10 |  |
| XXXX | 4000068901 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXXX |  | $0.00 | 1 | XXXX | X | $2506.56 | $1783.56 |  |  |  |  |  |  |  |  | 20250224 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 18 |  |
| XXXX | 4000070518 | XXXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 9.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $7500.17 | 1 | XXXX | X | $4522.56 | $1489.92 |  |  |  |  |  | 40.582% |  |  | 20250401 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 04/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 03/2024-02/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 03/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 04/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 | 1 |  | No |  | N/A | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 107 |  |
| XXXX | 4000065283 | XXXXX | Non-QM | XXXX | Yes | No | $11731.44 | $12897.14 | XXXX | 8.658% | XXXX | XXXX | 8.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11590.47 | 1 | XXXX | X | $5028.60 | $1687.08 | XXXX | GA | $150.00 |  | Annually | 22.368% |  | 22.368% | 20250211 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/1-12/2024 12 months;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 01/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 02/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 04/2018;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 02/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 15 | 1.8 |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 68 |  |
| XXXX | 4000038910 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $4740.00 | $4124.04 | XXXX | TN | $650.04 |  | Annually |  |  |  | 20240328 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.2 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 122 |  |
| XXXX | 4000060693 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 8.068% | XXXX | XXXX | 7.75% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13973.69 | 1 | XXXX | X | $15357.12 | $7111.68 | XXXX | CA | $420.00 |  | Monthly | 24.176% |  | 24.176% | 20241204 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Business | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-11/2024 3 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2020;<br> [Borrower - Primary Income - Bank Statements] Other - 08/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  | No |  |  |  |  | 185 |  |
| XXXX | 4000068008 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3885.60 | $1401.12 | XXXX | TX | $410.04 |  | Annually |  |  |  | 20241207 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 18 |  |
| XXXX | 4000066380 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $24595.00 | $25403.08 | XXXX | 7.856% | XXXX | XXXX | 7.63% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $16462.98 | 1 | XXXX | X | $6066.24 | $2622.00 | XXXX | MT | $511.17 |  | Monthly | 44.939% | 44.939 |  | 20250113 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024-01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] Third Party Verification - 1-2025 13 MONTHS;<br> [Borrower - Primary Income - Wages] VVOE - 1-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2024-12/2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2022;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 1-2025 13 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 1-2025 13 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 1-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $24595.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 29 |  |
| XXXX | 4000068964 | XXXX | Non-QM | XXXX | Yes | No | $12166.00 | $12779.63 | XXXX | 8.341% | XXXX | XXXX | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8768.25 | 1 | XXXX | X | $1376.16 | $2028.00 |  |  |  |  |  | 27.74% |  | 27.74% | 20250122 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2023-11/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 50 |  |
| XXXX | 4000070698 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12213.20 | 1 | XXXX | X | $4975.20 | $1872.96 | XXXX | SC | $95.00 |  | Monthly | 32.218% |  |  | 20241216 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12-2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Third Party Verification - 1-2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 2024;<br> [Borrower - Primary Income - Wages] Third Party Verification - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 2-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 58 |  |
| XXXX | 4000068001 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | Yes | Employed | Employed | Employed |  |  | 2019-05-13T00:00:00 |  | No | No | No |  |  |  |  | $15982.47 | 1 | XXXX | X | $3135.60 | $1565.04 | XXXX | SC | $89.00 |  | Monthly | 37.099% |  |  | 20250122 | 798 | 754 | 767 | 775 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 2-2025;<br> [Borrower - Primary Income - Wages] Paystubs - 1-2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12-2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 2-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 2-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 1-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 12-2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2022;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2022;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 2-2025;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 2-2025;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 1-2025;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 12-2024;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 - 2022;<br> [Co Borrower 2 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 2 - Primary Income - Wages] W-2 Transcript - 2022;<br> [Co Borrower 2 - Primary Income - Wages] VVOE - 2-2025;<br> [Co Borrower 2 - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 2-2025; | [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 2] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 2 | 2 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 24 |  |
| XXXX | 4000068970 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.774% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9382.51 | 1 | XXXX | X | $5074.56 | $1539.00 | XXXX | WA | $230.00 |  | Monthly | 39.458% |  | 39.458% | 20250131 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 40% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/16/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/19/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/20/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2/19/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2024-1/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 86 |  |
| XXXX | 4000072616 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$3082.00 | 1 | XXXX | X | $1838.04 | $1068.00 |  |  |  |  |  |  |  |  | 20250312 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 8 |  |
| XXXX | 4000068003 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 8.281% | XXXX | XXXX | 7.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3631.16 | 1 | XXXX | X | $2248.80 | $1187.40 |  |  |  |  |  | 38.305% |  | 38.305% | 20250127 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/2024-01/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Wages] WVOE - 12/2024 36 months;<br> [Borrower - Primary Income - Wages] VVOE - 02/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2022;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 16 |  |
| XXXX | 4000068967 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.635% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $25068.21 | 1 | XXXX | X | $5816.16 | $2035.68 |  |  |  |  |  | 34.502% |  | 34.502% | 20250108 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 1/2024-12/2024;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 2/2025 ;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1718 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 50 |  |
| XXXX | 4000068965 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $7223.76 | $1020.00 |  |  |  |  |  |  |  |  | 20241206 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 84 |  |
| XXXX | 4000065141 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13042.32 | 1 | XXXX | X | $9713.64 | $1442.04 |  |  |  |  |  | 30.09% |  |  | 20250129 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% |  | 100% |  | [Borrower - Primary Income - Wages] VVOE - 2/14/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 2/14/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2024-12/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 18 |  |
| XXXX | 4000067999 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.458% | XXXX | XXXX | 7.13% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10244.21 | 1 | XXXX | X | $14991.00 | $1954.08 | XXXX | TX | $1200.00 |  | Annually | 28.392% |  | 28.392% | 20250114 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2024-12/2024 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2024-12/2024 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 02/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 02/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 24226.03 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 16 |  |
| XXXX | 4000068972 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5367.23 | 1 | XXXX | X | $9862.56 | $1994.52 |  |  |  |  |  | 34.594% |  |  | 20250129 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024-01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 26 |  |
| XXXX | 4000065524 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 8.362% | XXXX | XXXX | 8.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10042.75 | 1 | XXXX | X | $3242.52 | $175.08 | XXXX | UT | $525.00 |  | Monthly | 30.974% |  | 30.974% | 20250205 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2024-1/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 12000 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 10 |  |
| XXXX | 4000068002 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | XXXX | 7.467% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $13855.05 | 1 | XXXX | X | $7939.08 | $1391.52 |  |  |  |  |  | 40.209% | 40.209 |  | 20250205 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2024-01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] Award Letter / Continuance Letter - 2021-2024 25 months;<br> [Borrower - Primary Income - Wages] Third Party Verification - 02/2025 ; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 26 |  |
| XXXX | 4000068009 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3286.56 | $645.00 | XXXX | TN | $250.00 |  | Monthly |  |  |  | 20250207 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 307 |  |
| XXXX | 4000067975 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.469% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $12426.71 | 1 | XXXX | X | $15388.56 | $4721.04 | XXXX | TX | $232.08 |  | Annually | 37.741% |  | 37.741% | 20241229 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - C-Corp] P&L Statement - 02/2024-02/2025;<br> [Borrower - Primary Income - C-Corp] CPA Letter - 02/2025;<br> [Borrower - Primary Income - C-Corp] Business License/Validation - 02/2025;<br> [Borrower - Primary Income - C-Corp] Telephone Listing / Internet Search / Directory Assistance - 02/2025;<br> [Borrower - Primary Income - C-Corp] Self-Employment Questionnaire (SEQ) - 02/2025;<br> [Borrower - Primary Income - C-Corp] Secretary of State (SOS) - 02/2025;<br> [Borrower - Primary Income - C-Corp] VVOE - 02/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 14 |  |
| XXXX | 4000070696 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $52742.21 | 1 | XXXX | X | $16146.48 | $2428.08 | XXXX | UT | $2033.22 |  | Monthly | 5.063% |  |  | 20250129 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 3-2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 15900 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 55 |  |
| XXXX | 4000070289 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.511% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17399.08 | 1 | XXXX | X | $27560.52 | $8719.08 | XXXX | TX | $500.04 |  | Annually | 33.085% |  | 33.085% | 20250128 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2/21/2025;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/1/2024-12/31/2024-12 months;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 2/27/2025;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 2/11/2025;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 2/28/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 500 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 29 |  |
| XXXX | 4000071665 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.788% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7598.40 | 1 | XXXX | AE | $1096.56 | $916.08 | XXXX | HI | $1025.12 |  | Monthly | 23.907% |  | 23.907% | 20250201 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 1/1/2025-1/31/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 3/13/2025;<br> [Borrower - Primary Income - Wages] WVOE - 2/4/2025 66 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 19 |  |
| XXXX | 4000068844 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $1024.20 | $1387.08 |  |  |  |  |  |  |  |  | 20250211 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.93 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 13 |  |
| XXXX | 4000068973 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | XXXX | 7.925% | XXXX | XXXX | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $13243.57 | 1 | XXXX | X | $14750.04 | $318.96 | XXXX | CA | $416.00 |  | Monthly | 41.556% | 41.556 |  | 20241209 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 - 2022;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2023;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2022;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2022;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2022;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023;<br> [Borrower - Primary Income - S-Corp] K-1 - 2022;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 2/12/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 2/26/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2022;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 3 | 0 | 2 | 2 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 45 |  |
| XXXX | 4000071274 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | XXXX | 7.449% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4880.81 | 1 | XXXX | X | $7077.24 | $1197.00 |  |  |  |  |  | 43.626% | 43.626 |  | 20250213 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Partnership] P&L Statement - 02/2025 12 months;<br> [Borrower - Primary Income - Partnership] Bank Statements - Business - 12/2024-01/2025;<br> [Borrower - Primary Income - Partnership] CPA Letter - 02/2025;<br> [Borrower - Primary Income - Partnership] CPA Letter - 03/2025;<br> [Borrower - Primary Income - Partnership] Telephone Listing / Internet Search / Directory Assistance - 02/2025;<br> [Borrower - Primary Income - Partnership] Secretary of State (SOS) - 02/2025;<br> [Borrower - Primary Income - Partnership] VVOE - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 103 |  |
| XXXX | 4000070697 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 7.889% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $55186.22 | 1 | XXXX | X | $13995.00 | $1000.08 |  |  |  |  |  | 11.864% |  | 11.864% | 20250131 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 28% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2024-1/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 5-2021;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 2-2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 2-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 19 |  |
| XXXX | 4000070700 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | XXXX | 7.883% | XXXX | XXXX | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8663.35 | 1 | XXXX | X | $5239.32 | $2273.04 | XXXX | MO | $612.00 |  | Annually | 30.595% | 30.595 |  | 20250128 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Investment Statements - 12/2024-1/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 12/2024-1/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 12/2024-1/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 500 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 252 |  |
| XXXX | 4000071662 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $34513.60 | 1 | XXXX | AE | $9917.40 | $3723.12 | XXXX | FL | $1271.00 |  | Monthly | 3.243% |  |  | 20250212 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] Paystubs - 01/2025-02/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 02/2025 -26 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 00; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 40 |  |
| XXXX | 4000071667 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 8.249% | XXXX | XXXX | 7.88% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15897.23 | 1 | XXXX | X | $7356.96 | $5612.04 | XXXX | TX | $740.04 |  | Annually | 33.534% |  | 33.534% | 20250221 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2024-1/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/06/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/20/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 03/12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 1-2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 2/2025-26 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 2/26/2025-26 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 03/12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 5 |  |
| XXXX | 4000072610 | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7921.45 | $8378.65 | XXXX | 7.706% | XXXX | XXXX | 7.38% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $6459.81 | 1 | XXXX | X | $4272.96 | $834.00 |  |  |  |  |  | 43.71% | 43.71 |  | 20250211 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 01/2024-12/2024;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Investment Statements - 12/2024-01/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 301 |  |
| XXXX | 4000071666 | XXXX | Non-QM | XXXX | Yes | No | $10545.87 | $19881.96 | XXXX | 7.865% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $17768.65 | 1 | XXXX | X | $7808.52 | $5902.20 | XXXX | CA | $190.00 |  | Monthly | 35.704% |  | 35.704% | 20250227 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 02/2024-01/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $10545.87 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 108 |  |
| XXXX | 4000072613 | XXXX | Non-QM | XXXX | Yes | No |  |  | XXXX | 8.183% | XXXX | XXXX | 7.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9160.61 | 2 | XXXX | AE | $2827.44 | $8645.16 |  |  |  |  |  | 37.687% |  | 37.687% | 20250220 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2024-1/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8-2021;<br> [Borrower - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 1/13/2025-2/23/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Third Party Verification - 3-2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 3-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 12 |  |
| XXXX | 4000071659 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2216.34 | 1 | XXXX | X | $854.76 | $1452.00 |  |  |  |  |  | 24.955% |  |  | 20250217 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2022;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 3/19/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 2/24/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2022;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 3487.5 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 3 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 29 |  |
| XXXX | 4000072680 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2747.88 | $1994.04 |  |  |  |  |  |  |  |  | 20250131 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 43 |  |
| XXXX | 4000071658 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $7406.52 | $2344.08 |  |  |  |  |  |  |  |  | 20250113 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 4300 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.86 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 85 |  |
| XXXX | 4000072611 | XXXX | Non-QM | XXXX | Yes | No | $14387.74 | $15978.54 | XXXX | 8.114% | XXXX | XXXX | 7.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $10067.30 | 1 | XXXX | X | $1758.00 | $619.08 | XXXX | HI | $965.00 |  | Monthly | 31.631% |  | 31.631% | 20250206 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Wages] Paystubs - 12/2024 - 2/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 2;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 1/2025-3/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - No Results Returned - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2022;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 3/2025 94 Months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 67 |  |
| XXXX | 4000072614 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2696.64 | $2433.96 |  |  |  |  |  |  |  |  | 20250225 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 6 |  |
| XXXX | 4000072606 | XXXX | Higher Priced QM (APOR) | XXXX | Yes | No |  |  | XXXX | 8.219% | XXXX | XXXX | 7.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7659.90 | 1 | XXXX | X | $13534.56 | $578.04 | XXXX | TX | $3480.00 |  | Annually | 37.806% | 37.806 |  | 20250310 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 1/2025-3/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12-2024;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] WVOE - 3/2025- 27 Months;<br> [Borrower - Primary Income - Wages] VVOE - 3-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 100 |  |  | No |  | N/A | 7.875 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 87 |  |
| XXXX | 4000072615 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $9126.00 | $3387.96 | XXXX | AZ | $3574.00 | 20250501 | Monthly |  |  |  | 20250228 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX | XXXX | XXXX |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.43 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 116 |  |
| XXXX | 4000071660 | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $6345.47 | 2 | XXXX | X | $6492.84 | $1121.04 |  |  |  |  |  | 31.263% |  |  | 20250203 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 2/2/2025-3/1/2025-1 month;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 3/18/2025 26 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 6 |  |

---

## Exhibit 99.32

**Exhibit 99.32**

![](ex99-32_001.jpg)

**EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below for loans acquired by Onslow Bay Financial LLC. The review included a total of 26 newly originated residential mortgage loans, in connection with the securitization identified as OBX 2025-NQM12 (the "Securitization"). The review began on December 2024 and concluded on May 2025.

**Scope of Review**

**Credit Review**

MaxDiligence 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 included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
of Hazard coverage and verification that sufficient coverage was in place on subject and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Mortgage
Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review
of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&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. Compare for conflicting 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;ii. Check dates for document expiration

&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. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification 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;ii. W-2s and Paystubs, 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;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, 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;v. Bank Statements or other Alternate Income documents as required by the guidelines

&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. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

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

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

&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. Sufficient funds were sourced and seasoned

&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. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service Provider will review applicable mortgage loans for compliance with the ATR and QM rule requirements
based upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (Service Provider determines the mortgage
loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Service Provider
notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
Service Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service Provider utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Service Provider 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Service
Provider then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption 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.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
Service Provider then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as
defined within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk
indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service Provider 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 will verify such information
using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and asset verifications.

&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. Employment - Review file documentation for required level of employment

&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. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&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. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&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. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&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. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
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;viii. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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. The review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE 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;i. All elements of appraisal are present

&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. Ensure all applicable Loan documents match appraisal 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;iii. Property is acceptable collateral for Loan program

&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. Completed by an appraiser that was actively licensed to perform the 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;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, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original 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;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application;
Any revisions, if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's restrictions,

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence
will recommend a BPO or field review be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of the review include (i) verifying that the address matched the mortgage note, ((ii)
if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client
of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes
the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the
valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as part
of the origination decision conforms with rating agency requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm to the extent possible, that the appraiser and the appraisal made by such
appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to
industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and
that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence 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 MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all
sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Service Provider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason"
for the Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for
the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for
the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) Business Days from the
application date, and at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) Business Days from date
of the "valid reason" giving rise to the Revised LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all
sections of the CD are completed; and (iii) the CD accurately reflects the information provided to Service Provider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason
for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires
a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any
subsequent CD with material changes (i.e. changes that require a new waiting period), was received at least three (3) Business Days prior
to the consummation date. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding
LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered
accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator
followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and iii) 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered
or placed in the mail not later than three (3) Business Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&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. Points and fees threshold test;

&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. APR threshold test;

&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. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements,
limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

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

&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. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal
requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the
Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

&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. Review relevant documentation to determine if
compensation to a Loan Originator was based on a term of the transaction;

&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. Review relevant document to determine if there
was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: Where available, Service Provider 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, Service Provider's review was limited to formal general statements of entity
compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the
seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller
correspondent;

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

&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. Determine if the creditor obtained proof of
homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly
or indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&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. Verify the data against the NMLSR database,
as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure
Statement form in the mortgage loan file;

&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. Verify the Servicing Disclosure Statement was
provided to the borrower(s) within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/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;

&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. Confirm the Your Home Loan Toolkit /Special
Information Booklet was provided within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when
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;vi. Confirm that the CHARM booklet was issued within
three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business
Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

&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. Confirm the Affiliated Business Arrangement
Disclosure was provided no later than three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement
Disclosure is executed;

&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. Confirm the presence of the Initial Escrow Disclosure
Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower
a list of homeownership counselling organizations within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit
Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy
of appraisal 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;ii. Charging of a fee for a copy of the appraisal
or other written 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;iii. Timing of creditor providing a copy of each
appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions
of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment
penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. Service Provider will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

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

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

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

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

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

**Data Discrepancy**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;26 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;26 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;7` | &nbsp;&nbsp;14 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &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;**26** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp; **Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &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;**26** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp; **Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &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;**26** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp; **Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &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;**26** | &nbsp;&nbsp;**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 Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title Commitment - Other | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance - Other Insurance Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Cash To Borrower does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets - Miscellaneous | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***28*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;26 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***26*** |
|  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Not Executed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;24 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;26 |

---

**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;**Property Event Grades** | &nbsp;&nbsp;**Property 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 99.33

**Exhibit 99.33**

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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** |
| XXXX |  | 4000067676 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 58.31 | 1.715 | 1.715 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 13.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000064379 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 76.85 | 1.301 | 1.301 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 0.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX |  | 4000059842 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 79.1 | 1.264 | 1.264 | XXXX | XXXX | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 112.43 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000066469 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 57.76 | 1.731 | 1.731 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | 0 | 0 | XXXX | 0 | 3600 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 7.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000058777 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 56.41 | 1.773 | 1.773 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 104.83 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |
| XXXX |  | 4000061048 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 80.01 | 1.25 | 1.25 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 31.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000061027 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 68.45 | 1.461 | 1.461 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 4.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000063864 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 71.04 | 1.408 | 1.408 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000061853 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 68.97 | 1.45 | 1.45 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 573.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000061857 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 68.64 | 1.457 | 1.457 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 888.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000063838 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 36.04 | 2.775 | 2.775 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 0.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000063424 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Actual In Place Rent | No | 73.41 | 1.362 | 1.362 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 4.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000067446 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 65.26 | 1.532 | 1.532 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 6.58 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000065654 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 68.97 | 1.45 | 1.45 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 28.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076138 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 72.94 | 1.371 | 1.371 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 69.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076141 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 79.69 | 1.255 | 1.255 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076140 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 66.91 | 1.495 | 1.495 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 64.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX |  | 4000074668 | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX |  |  |  |  |  | XXXX |  | No |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 9.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000075297 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 74.8 | 1.337 | 1.337 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 6.5 | 1 | 1 | N/A | 7.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076233 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 75.73 | 1.321 | 1.321 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 0.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076237 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 91.37 | 1.094 | 1.094 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 0.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076235 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 83.66 | 1.195 | 1.195 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 0.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000075298 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 |  | N/A |  |  | XXXX | Appraisal - 1025 | No | 75.03 | 1.333 | 1.333 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 4.1 | 1 | 1 | N/A | 6.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000075295 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 77.22 | 1.295 | 1.295 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 6.5 | 1 | 1 | N/A | 6.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000074542 | XXXX | XXXX | 12 Month Bank Statement | Present |  | XXXX | XXXX |  |  |  |  |  | XXXX |  | No |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 28.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 4000076385 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 89.3 | 1.12 | 1.12 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 25.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.34

**Exhibit 99.34**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 4000067676 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3504046 | 1 of 3 | 2025-02-28 18:18 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-03-04 19:44 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000067676 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3504053 | 2 of 3 | 2025-02-28 18:19 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-28 18:19 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000067676 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3525817 | 3 of 3 | 2025-03-04 19:44 | Credit | Corporation/LLC: Operating Agreement Doc is Incomplete | The Corporation/LLC: Operating Agreement in file is incomplete. Please provide all pages of the Certificate of Incorporation to validate the owners and percentage of ownership of each member. <br>|  | Document Uploaded. The By Laws verify that the borrower is the only shareholder. I have uploaded a copy for your convenience. Thank you! - 03/04/2025<br>| By-Laws showing borrower as the only member has been received. - 03/06/2025<br>|  | 2025-03-06 01:04 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000064379 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3349676 | 1 of 3 | 2025-02-04 21:07 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-04 21:07 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000064379 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3349678 | 2 of 3 | 2025-02-04 21:07 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-04 21:07 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000064379 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3349782 | 3 of 3 | 2025-02-04 21:19 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. The REO section of the co-borrower's 1003 is incomplete and doesn't indicate what mortgages are assigned to what properties. <br>|  | Document Uploaded. Please see updated 1003 showing all of the mortgages linked to the properties. Thank you! - 02/05/2025<br>| Received updated URLA with the REO and mortgages associated with each, condition resolved. - 02/06/2025<br>|  | 2025-02-06 14:26 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000059842 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3103866 | 1 of 3 | 2024-12-30 17:38 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. The file did not contain verification of replacement cost coverage. Guidelines also require 6 months of rent loss insurance ($39000), however the policy reflects only $35,000. <br>|  | Document Uploaded. Please see attached letter. - 01/06/2025<br>| Coverage Amount - Hazard Insurance of $XXXX is equal to or greater than Required Coverage Amount of $XXXX - 01/07/2025 |  | 2025-01-07 14:01 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000059842 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3104087 | 2 of 3 | 2024-12-30 17:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-12-30 17:50 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000059842 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3104130 | 3 of 3 | 2024-12-30 17:53 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2024-12-30 17:53 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000066469 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3446775 | 1 of 3 | 2025-02-19 16:21 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-19 16:21 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000066469 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3446776 | 2 of 3 | 2025-02-19 16:21 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-19 16:21 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000066469 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3455740 | 3 of 3 | 2025-02-20 18:06 | Credit | Cash To Borrower does not meet eligibility requirement(s) | XXXXX Loan Approval provided in the loan file states that the maximum cash out permitted on this loan is 2% or 5K, whichever is LESS. The cash out to borrower exceeded $7500. XXXXX Guidelines for Delta DSCR provides guidance which differs from the Loan Approval. The guidelines allow for the GREATER of 2% or 5K. Please clarify the discrepancy. <br>|  | Document Uploaded. Please see approval attached. Thank you. - 02/21/2025 <br>Hi. It's ok to follow the guidelines. Thank you! - 02/20/2025<br>| Received updated Underwriting Conditional Approval which specifies in Prior to Funding (PTF) Conditions section that cash out to borrower cannot exceed 2% or $5,000.00 whichever is greater and is in line with what is specified in guidelines. - 02/24/2025<br>No documentation was provided to explain the discrepancy of loan purpose between the Closing Instructions and the Loan Approval. Please provide requested documentation. - 02/21/2025<br>|  | 2025-02-24 17:41 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000058777 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3058049 | 1 of 3 | 2024-12-20 19:23 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-12-20 19:23 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000058777 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3060080 | 2 of 3 | 2024-12-20 21:51 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2024-12-20 21:51 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000058777 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3060082 | 3 of 3 | 2024-12-20 21:52 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2024-12-20 21:52 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061048 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3136038 | 1 of 3 | 2025-01-03 19:51 | Credit | Missing Property Tax Cert | Missing property tax cert. The property tax search for the subject property appears to be assessed based on land value only. Unable to locate a tax estimate based on the land and structure. Please provide an estimated tax search for the land and structure. Using the tax estimate of 1.5%, as noted in the guidelines for new construction, would be much higher. Loan is subject to re-evaluation. <br>|  | Document Uploaded. Please see attached documents. - 01/07/2025<br>| Documentation provided is sufficient. - 01/08/2025<br>property tax cert provided - 01/08/2025<br>|  | 2025-01-08 14:12 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000061048 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3136833 | 2 of 3 | 2025-01-03 20:56 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-03 20:56 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000061048 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3136835 | 3 of 3 | 2025-01-03 20:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-03 20:56 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000061027 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3145945 | 1 of 4 | 2025-01-06 18:07 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Unable to locate page 19 of the Mortgage (signature page). Please provide an executed copy of the Mortgage. Borrower 1 Signature does not match Note Signature. <br>|  | Document Uploaded. Please see attached. - 01/07/2025<br>| Documentation provided is sufficient. - 01/08/2025<br>|  | 2025-01-08 14:25 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000061027 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3147159 | 2 of 4 | 2025-01-06 19:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-06 19:22 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000061027 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3147160 | 3 of 4 | 2025-01-06 19:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-06 19:22 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000061027 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3147322 | 4 of 4 | 2025-01-06 19:36 | Credit | Title Commitment - Other | There are additional findings regarding the title commitment. The title reflects a mortgage with XXXX XXXX XXXX attached to the subject property with a payoff amount of $XXXXXX. Please provide the partial release of lien for subject property. <br>|  | Document Uploaded. Please see attached settlement statements from the other 2 XXXXX loans (XXXX & XXXX). Existing mortgage is a blanket loan over XXX, XXX, and XXX XXXXX. It was paid off in full amongst the 3 XXXXX loans. Thank you. - 01/07/2025 | - 01/08/2025<br>|  | 2025-01-08 14:24 | Resolved | 2 | 1 | 3 | 1 |
| XXXX | 4000063864 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3282792 | 1 of 3 | 2025-01-26 13:00 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-26 13:00 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000063864 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3282793 | 2 of 3 | 2025-01-26 13:01 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-26 13:01 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000063864 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3282794 | 3 of 3 | 2025-01-26 13:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-26 13:01 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061853 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3307129 | 1 of 3 | 2025-01-29 17:05 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-29 17:05 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061853 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3307130 | 2 of 3 | 2025-01-29 17:05 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-29 17:05 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061853 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3307132 | 3 of 3 | 2025-01-29 17:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-29 17:05 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061857 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3306228 | 1 of 3 | 2025-01-29 16:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-29 16:11 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061857 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3306232 | 2 of 3 | 2025-01-29 16:11 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-29 16:11 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000061857 |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3306234 | 3 of 3 | 2025-01-29 16:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-29 16:11 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000063838 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3315286 | 1 of 3 | 2025-01-30 14:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-30 14:22 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000063838 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3315301 | 2 of 3 | 2025-01-30 14:23 | Credit | Hazard Insurance - Other Insurance Incomplete | The policy verifying other property insurance is not complete. HOI policy does not contain Rent Loss coverage as required by guidelines. <br>|  | Document Uploaded. Please see attached image. The insurance shows damage to rented premises, which is the same as rent loss. Thank you. - 02/03/2025<br>| documentation meet guideline requirements - 02/04/2025<br>|  | 2025-02-04 16:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000063838 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3315303 | 3 of 3 | 2025-01-30 14:23 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-30 14:23 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000063424 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3331491 | 1 of 3 | 2025-02-01 14:21 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-02-01 14:21 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000063424 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3331492 | 2 of 3 | 2025-02-01 14:21 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-01 14:21 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000063424 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3335088 | 3 of 3 | 2025-02-03 15:23 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-03 15:23 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000067446 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3502735 | 1 of 3 | 2025-02-28 17:18 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-02-28 17:18 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000067446 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3502741 | 2 of 3 | 2025-02-28 17:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-28 17:18 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000067446 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3502745 | 3 of 3 | 2025-02-28 17:18 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-28 17:18 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000065654 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3427895 | 1 of 3 | 2025-02-14 19:11 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. <br> Hazard policy does not state if there is replacement cost and how much. I could not locate any replacement cost documentation in the file. Please provide policy showing replacement cost or an RCE. <br>|  | Hi. The insurance coverage is $XXXX and the appraisal states that the dwelling cost-new is $XXXX. Thank you. - 02/18/2025 | Per guidelines Replacement cost from appraisal can be used to validate if hazard insurance covers. The dwelling cost-new is $XXXX,XXX - 02/19/2025<br> Coverage Amount - Hazard insurance amount is less than required coverage amount. - 02/19/2025<br> Coverage Amount - Hazard insurance amount is less than required coverage amount. Per guidelines Replacement cost from appraisal can be used to validate if hazard insurance covers. The dwelling cost-new is $XXXX - 02/19/2025 |  | 2025-02-19 16:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000065654 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3428522 | 2 of 3 | 2025-02-14 20:16 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-14 20:16 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000065654 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3428526 | 3 of 3 | 2025-02-14 20:17 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-14 20:17 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000076138 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4106722 | 1 of 3 | 2025-05-11 00:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-11 00:50 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000076138 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4106725 | 2 of 3 | 2025-05-11 00:51 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-13 13:53 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000076138 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4125984 | 3 of 3 | 2025-05-13 14:03 | Compliance | The Final 1003 is Incomplete | The final 1003 is incomplete. Section 7. Military service answers are missing from the borrower. <br>|  |  | This section of the URLA is not a material section, condition resolved. - 05/13/2025<br>|  | 2025-05-13 16:40 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000076141 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4107901 | 1 of 3 | 2025-05-11 13:53 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-11 13:53 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076141 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4107902 | 2 of 3 | 2025-05-11 13:54 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-11 13:54 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076141 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4107904 | 3 of 3 | 2025-05-11 13:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-11 13:54 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076140 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4148922 | 1 of 3 | 2025-05-15 13:17 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-15 13:17 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076140 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4148929 | 2 of 3 | 2025-05-15 13:17 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-15 13:17 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076140 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4148932 | 3 of 3 | 2025-05-15 13:17 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-15 13:17 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000074668 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3987847 | 1 of 3 | 2025-04-29 02:37 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-04-29 02:37 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000074668 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3987854 | 2 of 3 | 2025-04-29 02:38 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-29 02:38 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000074668 |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4004379 | 3 of 3 | 2025-04-30 15:21 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-30 15:21 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075297 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4031781 | 1 of 3 | 2025-05-02 19:16 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-02 19:16 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075297 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4031788 | 2 of 3 | 2025-05-02 19:16 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-02 19:16 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075297 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4031791 | 3 of 3 | 2025-05-02 19:16 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-02 19:16 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076233 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4155362 | 1 of 3 | 2025-05-15 19:33 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-15 19:33 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076233 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4155372 | 2 of 3 | 2025-05-15 19:33 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-15 19:33 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076233 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4155378 | 3 of 3 | 2025-05-15 19:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-15 19:34 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076237 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4157171 | 1 of 3 | 2025-05-15 21:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-15 21:15 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076237 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4157173 | 2 of 3 | 2025-05-15 21:15 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-15 21:15 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076237 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4157174 | 3 of 3 | 2025-05-15 21:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-16 15:08 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076235 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4151780 | 1 of 3 | 2025-05-15 16:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-15 16:11 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076235 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4151790 | 2 of 3 | 2025-05-15 16:12 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-15 16:12 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076235 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4152234 | 3 of 3 | 2025-05-15 16:29 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-15 16:29 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075298 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036622 | 1 of 4 | 2025-05-03 16:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-03 16:05 | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4000075298 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036625 | 2 of 4 | 2025-05-03 16:05 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-03 16:05 | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4000075298 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4059715 | 3 of 4 | 2025-05-06 18:01 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report if the hard pull credit report in file is dated over 30 days prior to the Note Date. The credit report date is XXXX and the Note Date is XXXX. <br>|  | The credit report is not expired and undisclosed debt is not considered in a DSCR loan. Therefore, a gap credit report is not required. Thank you. - 05/06/2025<br>| Gap report on DSCR loan does not apply, condition resolved. - 05/07/2025<br>|  | 2025-05-07 15:27 | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4000075298 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4060160 | 4 of 4 | 2025-05-06 18:27 | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. Provide Operating Agreements for XXXX XXXX XXXX and XX-XX XXXX XXXX XXX to show borrower has 100% ownership in these business so that these assets can be used to support sufficient reserves. No borrower proceeds resulted from this refinance transaction to use for reserves. <br>|  | The preamble of the operating agreement indicates that the entity has one sole member. This suffices for ownership percentage designation. Thank you. - 05/06/2025<br>| The preamble of the operating agreement indicates that the entity has one sole member. This suffices for ownership percentage designation. - 05/07/2025<br>|  | 2025-05-07 15:27 | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4000075295 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036204 | 1 of 3 | 2025-05-03 13:27 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-03 13:27 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075295 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4036205 | 2 of 3 | 2025-05-03 13:27 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-03 13:27 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000075295 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4058242 | 3 of 3 | 2025-05-06 16:42 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-06 16:42 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000074542 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3971899 | 1 of 3 | 2025-04-26 14:27 | Compliance | The Final 1003 is Not Executed | The final 1003 is not executed. Final 1003 is not signed by borrower. Addiotnally, the borrower's primary residence was not listed under the REO section. <br>|  | Document Uploaded. Please see signed 1003 attached. Thank you. - 04/30/2025<br>| Received - 05/02/2025<br>|  | 2025-05-02 16:29 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000074542 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3972136 | 2 of 3 | 2025-04-26 15:49 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-26 15:49 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4000074542 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3998942 | 3 of 3 | 2025-04-29 22:18 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The subject transaction is a refinance of an investment property. Per the appraisal, the subject property is owner occupied. Please provide an explanation from the appraiser and the updated appraisal. <br>|  | Document Uploaded. The property is in fact vacant. Please see updated appraisal attached. Thank you! - 05/01/2025<br>| Received the updated appraisal showing the property is tenant occupied. - 05/02/2025<br>|  | 2025-05-02 16:18 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4000076385 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4158325 | 1 of 3 | 2025-05-16 00:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-16 00:04 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076385 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4158328 | 2 of 3 | 2025-05-16 00:05 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-16 00:05 | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4000076385 |  | XXXX | XXXX | XXXX | NY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 4158331 | 3 of 3 | 2025-05-16 00:05 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-16 00:05 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.35

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex99-35_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | Maxwell Diligence Solutions LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | Battalion Lending 2025 - DSCR - Onslow Bay |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 06/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| 4000067676 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000064379 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000059842 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000066469 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000058777 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000061048 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000061027 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000063864 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000061853 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000061857 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000063838 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000063424 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000067446 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000065654 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| 4000076138 |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| 4000076141 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000076140 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000074668 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000075297 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000076233 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000076237 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000076235 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000075298 |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| 4000075295 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000074542 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| 4000076385 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.36

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 4000067676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000064379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 47.83 | 47.83 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000059842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.17 | 54.17 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000066469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 74.48 | 74.48 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000058777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.88 | 46.88 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000063864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 74.0 | 74.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000063838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 58.59 | 58.59 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000063424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 37.04 | 37.04 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000067446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000065654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000074668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.64 | 68.64 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 62.75 | 62.75 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.42 | 64.42 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.64 | 68.64 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.64 | 68.64 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000074542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.37

**Exhibit 99.37**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 4000067676 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | Only income sued to qualify is $13,000 market rent |
| XXXX |  | 4000067676 | XXXX | Application Date | XXXX | XXXX | XXXX | Using date from credit report and 1003. |
| XXXX |  | 4000066469 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Per Prepayment Penalty rider. |
| XXXX |  | 4000066469 | XXXX | Application Date | XXXX | XXXX | XXXX | Per Loan Originator section of loan application. |
| XXXX |  | 4000058777 | XXXX | Prepayment Penalty Total Term | XXXX | 12 | NA | Per ppp it is 12 months |
| XXXX |  | 4000061048 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Per the Prepayment Rider in the file. |
| XXXX |  | 4000061048 | XXXX | Application Date | XXXX | XXXX | XXXX | Based on the date of the credit report. |
| XXXX |  | 4000061048 | XXXX | Monthly Property Tax Amount | XXXX | XXXX | XXXX |  |
| XXXX |  | 4000061048 | XXXX | Calculated DSCR | XXXX | 1.25 | 1.282 |  |
| XXXX |  | 4000061027 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Prepayment penalty is 60 months. |
| XXXX |  | 4000061027 | XXXX | Application Date | XXXX | XXXX | XXXX | Based on the date of the credit report. |
| XXXX |  | 4000063864 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Term is taken from PPP Rider. |
| XXXX |  | 4000063424 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Prepayment penalty 60 months |
| XXXX |  | 4000067446 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | DSCR loan |
| XXXX |  | 4000067446 | XXXX | Prepayment Penalty Total Term | XXXX | 60 | NA | Prepayment penalty verified with note and rider |
| XXXX |  | 4000076138 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | No income required for DSCR loans |
| XXXX |  | 4000076138 | XXXX | Application Date | XXXX | XXXX | XXXX | Application date is XXXX. |
| XXXX |  | 4000076141 | XXXX | Qualifying FICO | XXXX | 771 | 762 | Verified |
| XXXX |  | 4000076140 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | Verified |
| XXXX |  | 4000076140 | XXXX | Application Date | XXXX | XXXX | XXXX | Verified with initial 1003 date |
| XXXX |  | 4000076233 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | . |
| XXXX |  | 4000076233 | XXXX | Application Date | XXXX | XXXX | XXXX | Verified per initial 1003 |
| XXXX |  | 4000076237 | XXXX | Application Date | XXXX | XXXX | XXXX | Based on the credit report date. |
| XXXX |  | 4000075298 | XXXX | All Borrower Total Income | XXXX | 0 | XXXX | Verified |

---

## Exhibit 99.38

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** | **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** |  |  |  |  |
| XXXX |  | 4000067676 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000064379 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000059842 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.499% | 7.499% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000066469 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000058777 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000061048 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000061027 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000063864 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000061853 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000061857 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000063838 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000063424 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | NY | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000067446 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000065654 | 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 | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 |  |  |  |  |
| XXXX |  | 4000076138 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000076141 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000076140 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  |  |  |
| XXXX |  | 4000074668 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 27.10% | 27.10% | 27.10% | Yes |  |  |  |  |  |  |  | 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 | 0 |  |  |  |  |
| XXXX |  | 4000075297 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000076233 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000076237 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000076235 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000075298 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000075295 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| XXXX |  | 4000074542 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 |  |  | 12.72% | 12.72% | 12.72% | Yes |  |  |  |  |  |  |  | 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% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 |  |  |  |  |
| XXXX |  | 4000076385 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | Yes | 24.000% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $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 |  |  |  |  |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **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 Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** |
| XXXX |  | 4000067676 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.715 | 1.715 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000064379 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.301 | 1.301 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY |
| XXXX |  | 4000059842 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.264 | 1.264 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | FL | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000066469 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.731 | 1.731 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000058777 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.773 | 1.773 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | FL | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061048 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.25 | 1.25 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061027 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.461 | 1.461 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | FL | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000063864 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.408 | 1.408 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061853 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.45 | 1.45 |  | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000061857 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.457 | 1.457 |  | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000063838 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 2.775 | 2.775 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NY | United States | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |
| XXXX |  | 4000063424 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.362 | 1.362 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NJ | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000067446 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.532 | 1.532 |  | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000065654 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.45 | 1.45 |  | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | FL | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076138 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.371 | 1.371 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076141 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.255 | 1.255 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076140 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.495 | 1.495 |  | 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 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 \|\| Co 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 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 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY |
| XXXX |  | 4000074668 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | FL | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075297 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.337 | 1.337 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076233 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.321 | 1.321 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076237 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.094 | 1.094 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076235 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.195 | 1.195 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075298 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.333 | 1.333 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000075295 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.295 | 1.295 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000074542 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | NY | United States | XXXX |  | XXXX | N/A |  |  |  |  |  |  |  |  |
| XXXX |  | 4000076385 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.12 | 1.12 |  | 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 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 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **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** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** |  |
| XXXX |  | 4000067676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.8 | XXXX | 13.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000064379 | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.6 | No | 47.83 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX | NY | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  |  |
| XXXX |  | 4000059842 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 112.4 | No | 54.17 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000066469 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.8 | XXXX | 7.8 | No | 74.48 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000058777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 104.8 | No | 46.88 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | ARM | DSCR | Cash Out - Other | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 6 months interest on amount that exceeds 20% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000061048 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.4 | XXXX | 31.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | ARM | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 1%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000061027 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.8 | XXXX | 4.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | ARM | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000063864 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.8 | XXXX | 26.8 | No | 74 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000061853 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 573.2 | XXXX | 573.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | TX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 4% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000061857 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 888.5 | XXXX | 888.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | TX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 4% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000063838 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.4 | No | 58.59 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000063424 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.2 | XXXX | 4.6 | No | 37.04 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000067446 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.6 | XXXX | 6.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000065654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.7 | XXXX | 28.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076138 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 69.5 | XXXX | 69.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076141 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 55 | XXXX | 55 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 3 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076140 | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 63.9 | XXXX | 64 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  | false | 4 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX | NY | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 | 0.00 |  |  | N/A | N/A |  |  |  |
| XXXX |  | 4000074668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.2 | XXXX | 9.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 10.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000075297 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.5 | XXXX | 7.5 | No | 68.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076233 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.2 | No | 62.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | ARM | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076237 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.2 | No | 64.42 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | ARM | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076235 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0 | XXXX | 0.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | ARM | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000075298 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7 | XXXX | 7 | No | 68.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000075295 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.8 | XXXX | 6.8 | No | 68.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000074542 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.6 | XXXX | 28.6 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | NY | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 15.00 |  |  |  | N/A |  |  |  |  |
| XXXX |  | 4000076385 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 25.3 | XXXX | 25.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXX | XXXX | FL | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | 5%, 1%, 1%, 1%, 1% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  |  |

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