# EDGAR Filing Document

**Accession Number:** 0002062117
**File Stem:** 0001999371-26-002752
**Filing Date:** 2026-2
**Character Count:** 2748334
**Document Hash:** 6c67750e1270a60b55b73272484f5ceb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-002752.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001999371-26-002752

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

**PUBLIC DOCUMENT COUNT**: 24

**CONFORMED PERIOD OF REPORT**: 20260206

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

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07662
- **FILM NUMBER:** 26606627

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>GCAT DEPOSITOR V LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

☒

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

Central Index Key Number of depositor: 0002062117

<u>GCAT 2026-NQM1 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

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

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

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.2](ex99-2.htm) | AMC Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Valuation Summary |
| [99.5](ex99-5.htm) | AMC Supplemental Data |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Canopy Financial Technology Partners, LLC ("Canopy") Narrative |
| [99.8](ex99-8.htm) | Canopy RA Grades Detail Report |
| [99.9](ex99-9.htm) | Canopy RA Grades Summary Report |
| [99.10](ex99-10.htm) | Canopy Valuation Report |
| [99.11](ex99-11.htm) | Canopy ATR QM Report |
| [99.12](ex99-12.htm) | Canopy Data Compare |
| [99.13](ex99-13.htm) | Canopy Supplemental Data Extract |
| [99.14](ex99-14.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.15](ex99-15.htm) | Clarifii ATR OR QM Report |
| [99.16](ex99-16.htm) | Clarifii Data Compare Report |
| [99.17](ex99-17.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.18](ex99-18.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.19](ex99-19.htm) | Clarifii Valuation Report |
| [99.20](ex99-20.htm) | Clarifii Supplemental Data Extract |

---

**SIGNATURES**

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

---

| | |
|:---|:---|
| | **GCAT DEPOSITOR V LLC** |
| | (Depositor) |
| Date: February 6, 2026 | /s/ Thomas Durkin |
|  | Name: Thomas Durkin |
|  | Title: President (senior officer in charge of securitization) |

---

## Exhibit 99.1

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage V LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from August 2025 through January 2026 on mortgage loans with origination dates from June 2025 through January 2026 via files imaged and provided by the Client for review.

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

The total population of the Review covered 665 mortgage loans totaling an aggregate original principal balance of approximately $374.920 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;First Interest Rate Change Date | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV |  |

---

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

**<u>CREDIT SCOPE (427 Mortgage Loans):</u>**<u> </u>

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

**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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![](ex991001.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.

**<u>BUSINESS PURPOSE SCOPE (238 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

---

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

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

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

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

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

**<u>COMPLIANCE SCOPE (427 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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With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;593 | &nbsp;&nbsp;360 | &nbsp;&nbsp;662 | &nbsp;&nbsp;530 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;72 | &nbsp;&nbsp;67 | &nbsp;&nbsp;3 | &nbsp;&nbsp;135 |
| &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;**665** | &nbsp;&nbsp;**427** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**665** |
| &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89.17% | &nbsp;&nbsp;84.31% | &nbsp;&nbsp;99.55% | &nbsp;&nbsp;79.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10.83% | &nbsp;&nbsp;15.69% | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;20.30% |
| &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%** |

---

12 \| P a g e

![](ex991001.jpg)

**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 Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***80*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**80** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***77*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**77** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**160** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 665 mortgage loans reviewed, 466 mortgage loans had 2,117 different tape discrepancies across 33 data fields (some mortgage loans had more than one data delta). The largest variances were found on Amortization Type, Lien Position, Amortization Term and Original Term.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;182 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;254 | &nbsp;&nbsp;483 | &nbsp;&nbsp;52.59% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;257 | &nbsp;&nbsp;483 | &nbsp;&nbsp;53.21% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;379 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;39 | &nbsp;&nbsp;182 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;59 | &nbsp;&nbsp;182 | &nbsp;&nbsp;32.42% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;548 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;48 | &nbsp;&nbsp;27.08% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;48 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;176 | &nbsp;&nbsp;361 | &nbsp;&nbsp;48.75% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;513 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;219 | &nbsp;&nbsp;306 | &nbsp;&nbsp;71.57% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;19 | &nbsp;&nbsp;22 | &nbsp;&nbsp;86.36% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;36 | &nbsp;&nbsp;424 | &nbsp;&nbsp;8.49% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;256 | &nbsp;&nbsp;547 | &nbsp;&nbsp;46.80% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;91 | &nbsp;&nbsp;2.20% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;548 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;182 | &nbsp;&nbsp;4.40% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;665 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;665 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;548 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;548 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;665 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;147 | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;254 | &nbsp;&nbsp;548 | &nbsp;&nbsp;46.35% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;190 | &nbsp;&nbsp;284 | &nbsp;&nbsp;66.90% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;98 | &nbsp;&nbsp;665 | &nbsp;&nbsp;14.74% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;665 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;90 | &nbsp;&nbsp;1.11% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;19 | &nbsp;&nbsp;548 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;548 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;182 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;106 | &nbsp;&nbsp;232 | &nbsp;&nbsp;45.69% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;33 | &nbsp;&nbsp;665 | &nbsp;&nbsp;4.96% | &nbsp;&nbsp;665 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2117** | &nbsp;&nbsp;**13366** | &nbsp;&nbsp;**15.84%** | &nbsp;&nbsp;**665** |

---

13 \| P a g e

![](ex991001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;663 | &nbsp;&nbsp;99.70% | &nbsp;&nbsp;$374181724.00 | &nbsp;&nbsp;99.80% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$738000.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;665 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$374919724.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$946000.00 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;246 | &nbsp;&nbsp;36.99% | &nbsp;&nbsp;$128653538.00 | &nbsp;&nbsp;34.31% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;57 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;$31058129.00 | &nbsp;&nbsp;8.28% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;297 | &nbsp;&nbsp;44.66% | &nbsp;&nbsp;$168379387.00 | &nbsp;&nbsp;44.91% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;63 | &nbsp;&nbsp;9.47% | &nbsp;&nbsp;$45882670.00 | &nbsp;&nbsp;12.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$551000.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;652 | &nbsp;&nbsp;98.05% | &nbsp;&nbsp;$366448124.00 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$7920600.00 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;352 | &nbsp;&nbsp;52.93% | &nbsp;&nbsp;$197496702.00 | &nbsp;&nbsp;52.68% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;45 | &nbsp;&nbsp;6.77% | &nbsp;&nbsp;$19285829.00 | &nbsp;&nbsp;5.14% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;$11229348.00 | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;184 | &nbsp;&nbsp;27.67% | &nbsp;&nbsp;$112279702.00 | &nbsp;&nbsp;29.95% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;$1904693.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$7621850.00 | &nbsp;&nbsp;2.03% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;32 | &nbsp;&nbsp;4.81% | &nbsp;&nbsp;$15204200.00 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;$6429150.00 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;$3468250.00 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;356 | &nbsp;&nbsp;53.53% | &nbsp;&nbsp;$233895405.00 | &nbsp;&nbsp;62.39% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;285 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$123700619.00 | &nbsp;&nbsp;32.99% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.61% | &nbsp;&nbsp;$17323700.00 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;427 | &nbsp;&nbsp;64.21% | &nbsp;&nbsp;$272790744.00 | &nbsp;&nbsp;72.76% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;238 | &nbsp;&nbsp;35.79% | &nbsp;&nbsp;$102128980.00 | &nbsp;&nbsp;27.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**665** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$374919724.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.2

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | 43124 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 36483 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50387 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 87092 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 49964 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 18647 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 32695 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 18555 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 40030 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 13440 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 60242 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 56755 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 10400 |  |  |  |  | C | B | D | D | A | B | A | B |  |
|  | 27981 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 78278 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20806 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 24210 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 75048 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 86085 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 88439 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 93787 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 93156 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 44497 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 77397 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 61384 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 35289 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 47641 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 71646 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 37790 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20362 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 15549 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 69617 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 11271 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 67881 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | 74510 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 92645 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 90574 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 71039 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 31865 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 28150 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 42153 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 22033 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 71172 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 58439 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 31661 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 82048 |  |  |  |  | B | C | A | C | A | B | A | B |  |
|  | 73453 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 69441 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 48316 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 51754 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 18968 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 99417 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 71208 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 28969 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 50417 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 74599 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 98536 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 36082 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 11862 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 67839 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 64291 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 90829 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 62695 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 28784 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 69312 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 18699 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 65976 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 23336 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 16955 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 46341 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 41664 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 47901 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 75322 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 80832 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 37743 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 41901 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 56347 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 71184 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 27966 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 55430 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 99264 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 19562 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 25676 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 26016 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 21639 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 40713 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 48277 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 23183 |  |  |  |  | B | B | A | B | A | A | A | A |  |
|  | 68920 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 27576 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 67449 |  |  |  |  | A | A | B | B | A | A | B | B |  |
|  | 67712 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 85713 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 40605 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 26528 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 23167 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 23997 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 40532 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 98744 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 39505 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 24452 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 29694 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 19155 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 69831 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 79627 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 19653 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | 97277 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 55693 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 90855 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 99820 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 30389 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 93705 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 85845 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 26613 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 79528 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 60770 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 76432 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 83450 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 47928 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 66727 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | 52111 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 70034 |  |  |  |  | B | C | A | C | B | A B | A | B |  |
|  | 75101 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 35290 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 35811 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 56513 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 30921 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 17301 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 78594 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 53776 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 19461 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10878 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 38694 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 70697 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 68801 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 71878 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 30244 |  |  |  |  | A | C | A | C | B | B | A | B |  |
|  | 78225 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 19231 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 50317 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 44005 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 39156 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 19123 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 44169 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 23681 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 14768 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 31880 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 14090 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 53987 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 29953 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 48578 |  |  |  |  | D | D | A | D | A | A | A | A |  |
|  | 47642 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14773 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 66057 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 46356 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 28009 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 97077 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20140 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 80638 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 85589 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 56217 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 18234 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 18807 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 55401 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 55388 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 79373 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 60277 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 36282 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 73377 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 62386 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 21334 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 14622 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 63326 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 31381 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 17309 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20437 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 32830 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 76502 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 82814 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 95893 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 15321 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 30284 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 44071 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20332 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 46516 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 61848 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 35505 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 61478 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 93464 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 66556 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 87767 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 76282 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 11285 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 93784 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 21445 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 96170 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 69870 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 83799 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 98386 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 64551 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 46126 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 54833 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 81388 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | 70633 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 15025 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 61682 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 75604 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 81704 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 97009 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 80718 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 28074 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 19933 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 21401 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 21560 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 90222 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 85980 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10290 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 72248 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 49684 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 29626 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 98331 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 34092 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 28066 |  |  |  |  | A | B C | A | B C | A | A | A | A |  |
|  | 30634 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 10450 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 78909 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 95636 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 66336 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 44181 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 41877 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50904 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 63415 |  |  |  |  | B | B | A | B | B | A | A | B |  |
|  | 81879 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 58050 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 84607 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 91254 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 53717 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 31327 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 25550 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 12435 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 70252 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 58624 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 53048 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 95952 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 54434 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 41329 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 41213 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 59846 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 22784 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 68159 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 52135 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 19906 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 40154 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 11391 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 77117 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
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|  | 64808 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 66111 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 64081 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 19636 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 58678 |  |  |  |  | A |  | A | A | A |  | A | A |  |
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|  | 60935 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 37157 |  |  |  |  | C | C | A | C | B | A B | A | B |  |
|  | 27702 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 79744 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 61391 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 11829 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 66413 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 42497 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 46688 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 29138 |  |  |  |  | C |  | D | D | B |  | A | B |  |
|  | 59623 |  |  |  |  | A |  | A | A | A |  | A | A |  |
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|  | 46878 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 66637 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 93982 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 88906 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 10861 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 91217 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 56905 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 22654 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 83489 |  |  |  |  | A |  | A | A | A |  | A | A |  |
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|  | 61677 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 29496 |  |  |  |  | A | A | B | B | A | A | B | B |  |
|  | 60427 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 87007 |  |  |  |  | A | A | A | A | A | A | A | A |  |
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|  | 70601 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
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|  | 57835 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 69855 |  |  |  |  | A | C | D | D | A | A B | A | A B |  |
|  | 16918 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 69487 |  |  |  |  | B | C | A | C | B | A B | A | B |  |
|  | 68807 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 78834 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 72979 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 51812 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 56372 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 64857 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 35411 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 86964 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 98626 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 81018 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 97974 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 26181 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 37421 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
|  | 86451 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 58150 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 34057 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 72238 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 60055 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 12063 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 52298 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 81658 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 36191 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 58600 |  |  |  |  | C | A | D | D | A | A | A | A |  |
|  | 83809 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 46277 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 76085 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 83234 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | 53537 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 90180 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 65527 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 25969 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 67749 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 94309 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 79321 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 64537 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 64568 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 80468 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 54778 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 48728 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 25008 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 37540 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 23156 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 15290 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20425 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 88318 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20330 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 66519 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 28863 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 19610 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 84712 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 58610 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 29020 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 64896 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 75460 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20556 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 65128 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 32200 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 44764 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10677 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 99867 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 94614 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 99578 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 65892 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 30432 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 95208 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14917 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 21264 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50845 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 21400 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 84339 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 97364 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 85939 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 38888 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 59340 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 79661 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 36147 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 18490 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 40711 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 15083 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 62430 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 33884 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 47490 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 12493 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 26966 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 79924 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 59487 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 48276 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 95195 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14947 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 37557 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 51566 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 24149 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 79888 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20329 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 21759 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 93980 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 29461 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 41064 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 69050 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 26485 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 25793 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 91005 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 34784 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 84142 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 12682 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 33984 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 25238 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 13277 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 43975 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 83221 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 82912 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 11725 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 28026 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 47221 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 75150 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50651 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 88575 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 97592 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 23288 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 80501 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 76343 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 45790 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 92331 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 59112 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 91932 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 72303 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14193 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 86931 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 55691 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 96118 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10471 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 38924 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 31889 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 59551 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10759 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 91383 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 49385 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 55143 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14624 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 78817 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 66776 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 96393 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 94953 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50816 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 22040 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 81277 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 44276 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 52702 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 83161 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 37284 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 28545 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 18898 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 16460 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20449 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 89667 |  |  |  |  | A | A | A | A | B | A | A | B |  |
|  | 14774 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 32091 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 97274 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 31046 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 42351 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 12858 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 94187 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 64863 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 65881 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 30755 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 15781 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 63438 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 10827 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 77645 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 76026 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 30226 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 44655 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 14350 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 90721 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 67871 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 42727 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 68579 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 77970 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 51079 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 60325 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 79843 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 25420 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 68968 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 72432 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 33434 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 47524 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 50258 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 50712 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 86792 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 52229 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 50795 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 18792 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 41916 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 36600 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 98840 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 95215 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 48622 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 55095 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 47155 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 61124 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 40343 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 50797 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 53009 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 88261 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 39623 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 68898 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 65685 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 77482 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 28839 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 97567 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 47428 |  |  |  |  | C D | A | A | C D | A | B | A | B |  |
|  | 55988 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 68094 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 95067 |  |  |  |  | D | C | A | D | A | A | A | A |  |
|  | 43971 |  |  |  |  | B | C | A | C | A | B | A | B |  |
|  | 39337 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 67293 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 34604 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 69638 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 22129 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 93836 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 58768 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 32750 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 86352 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 19091 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 48951 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 93634 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 92448 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 36878 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 86696 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 49322 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 12517 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 43347 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 40185 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 62103 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 30242 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 64573 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 73516 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 41264 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 95788 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 42450 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 62440 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 18745 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 16175 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 90401 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 23907 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 18971 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 97140 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 98738 |  |  |  |  | D | D | A | D | A | A | A | A |  |
|  | 18879 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 77062 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 12026 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 48009 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 26159 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 69790 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 91624 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 58932 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 54136 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 28279 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 86852 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 40132 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 83212 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 17474 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 36267 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 17146 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 42984 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 34926 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 82409 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 51374 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 81083 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 47808 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 63729 |  |  |  |  | A |  | C | C | A |  | A | A |  |
|  | 84760 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 30771 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 96263 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 91677 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 30345 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 72748 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 89221 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 55142 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 74225 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 70323 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 97343 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 42891 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 58326 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 17691 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 90203 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 67649 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 15933 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 93482 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 10719 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 52271 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 68244 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 76761 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 70358 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 66549 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 11467 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 80193 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 26608 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 14589 |  |  |  |  | A |  | A | A | A |  | A | A |  |
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|  | 74910 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 15536 |  |  |  |  | B | C | D | D | A | B | A | B |  |
|  | 62831 |  |  |  |  | B | C | D | D | A | A | A | A |  |
|  | 26506 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 60430 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 34406 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 24604 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 33585 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 82096 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 37692 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 34847 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 56531 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 89621 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |
|  | 98478 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 19268 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 81514 |  |  |  |  | C | A | D B C | D C | A | A | B | B |  |
|  | 92357 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 10993 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 29926 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 24851 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 13097 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 76573 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 70185 |  |  |  |  | A | C | A | C | A | A | A | A |  |
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|  | 64037 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | 31802 |  |  |  |  | C D | C | A | C D | A | A | A | A |  |
|  | 83661 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 45852 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 90994 |  |  |  |  | C D | C | A | C D | A | A | A | A |  |
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|  | 29520 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 42379 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 83486 |  |  |  |  | C | A | A | C | A | A | A | A |  |
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|  | 15505 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 46664 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 57796 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 15407 |  |  |  |  | D | A | D | D | A | A | A | A |  |
|  | 77080 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 17479 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 88041 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 12983 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 15069 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 90308 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 91685 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 95344 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 78793 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 71948 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 90972 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 23458 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 35298 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 22645 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 38377 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 36854 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 56520 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 38263 |  |  |  |  | C | C | D | D | B | A | A | B |  |
|  | 58064 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 72890 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20011 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 60028 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 63384 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 95637 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 14989 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 54398 |  |  |  |  | A |  | A | A | A |  | A | A |  |

---

## Exhibit 99.3

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **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** |
|  | 50387 |  |  |  | 34664089 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification number document is missing in the file. |  |  |  | Reviewer Comment (2025-10-16): Received and associated Employer Identification Number (EIN). Exception Cleared<br>Seller Comment (2025-10-14): Attached the EIN Number. | 10/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 50387 |  |  |  | 34678739 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-10-23): Received and associated [Redacted]/Formation. Exception Cleared<br>Seller Comment (2025-10-21): Electronically filed [Redacted] Please clear<br>Reviewer Comment (2025-10-17): Operating agreement in file, missing [Redacted]<br>Seller Comment (2025-10-14): [Redacted]can be found on page [Redacted]of [Redacted]([Redacted]) and the meeting minutes of the [Redacted]meeting can be found on page [Redacted]of [Redacted]([Redacted]). | 10/23/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 50387 |  |  |  | 34678931 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require a rental history for the [Redacted]'s primary residence, which was not provided in the file. The file contains a letter of explanation that the [Redacted] paid for their rent all in advance, which is $[Redacted] . The file does contain a bank statement that shows a withdrawal of $[Redacted]; however, the file does not contain a copy of the withdrawal to confirm this was for the rent. |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Seller Comment (2025-10-29): Attached the history that shows a withdrawal of $[Redacted]. Please Clear<br>Reviewer Comment (2025-10-16): Provide documentation to verify the withdrawal was for the rent.<br>Seller Comment (2025-10-14): The bank statement that shows a withdrawal of $[Redacted]can be found on page [Redacted]of [Redacted]([Redacted]). Please Cancel. | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 49964 |  |  |  | 34698695 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-16): Received and associated Operating Agreement. Exception Cleared<br>Seller Comment (2025-10-15): Attached the Operating Agreement. | 10/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 18555 |  |  |  | 34742254 |  | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the [Redacted] has been in business for a minimum of [Redacted]. |  | Less than [Redacted] years self-employment without at least[Redacted] years in same line of work, lender exception in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]residual income.<br>[Redacted]months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-16): Lender exception in file. |  |  | 10/16/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 60242 |  |  |  | 34727694 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-10-03): Received and associated Purchase Agreement / Sales Contract. Exception Cleared<br>Buyer Comment (2025-10-02): Purchase contract | 10/03/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 56755 |  |  |  | 34727721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-10-02): [Redacted]received valid Changed circumstance.<br>Buyer Comment (2025-09-30): See docs provided<br>Reviewer Comment (2025-09-25): [Redacted]received [Redacted]dated [Redacted] , however fee again increased on CD dated[Redacted]. Please provide valid [Redacted]for CD dated [Redacted] or cure is required. Cure documents consist of [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-24): See [Redacted]provided | 10/02/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 56755 |  |  |  | 34727722 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guaranteed Rate exception for [Redacted] got a gift from employer but is self employed. Gift is for $[Redacted] . Approval not found. Corresponding [Redacted] exception not provided. |  |  |  | Reviewer Comment (2025-10-01): Client sent in LOE and excluded $[Redacted] gift from employer.<br>Buyer Comment (2025-09-29): docs uploaded | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 10400 |  |  |  | 34727734 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Policy coverage amount of $[Redacted] . Extended Replacement coverage of $[Redacted]. Total coverage amount of $[Redacted]. Estimated cost new from appraisal is $[Redacted]. Coverage shortfall of $[Redacted]. A replacement cost estimate was not provided. |  |  |  | Reviewer Comment (2025-10-01): Received and associated Replacement Cost Estimator. Exception Cleared.<br>Buyer Comment (2025-09-27): see attached | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10400 |  |  |  | 34727736 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-10-03): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-10-02): CDA | 10/03/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10400 |  |  |  | 34727738 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Audited P&L in file notes to "See Accountant's letter" [Redacted] Letter with verification was not provided. |  |  |  | Reviewer Comment (2025-10-01): Documentation provided; exception cleared.<br>Buyer Comment (2025-09-27): cpa letter | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10400 |  |  |  | 34727739 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From [Redacted] $[Redacted] . Require [Redacted] or [Redacted] letter stating use of Business funds will not negatively affect the Business. |  |  |  | Reviewer Comment (2025-10-01): Received and associated Cash Flow Analysis, CPA letter. Exception Cleared.<br>Buyer Comment (2025-09-27): cash flow | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10400 |  |  |  | 34727740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted] |  |  |  | Reviewer Comment (2025-10-03): Client accepts as is.<br>Buyer Comment (2025-10-01): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing.<br>Reviewer Comment (2025-09-29): Please accept as is.<br>Buyer Comment (2025-09-25): tax docs uploaded |  |  | 10/03/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 27981 |  |  |  | 34727744 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Initial Closing Disclosure dated [Redacted] not provided to[Redacted] at least[Redacted] business days prior to closing date of [Redacted] |  |  |  | Reviewer Comment (2025-10-03): [Redacted]received initial CD dated[Redacted]<br>Buyer Comment (2025-10-01): See doc provided | 10/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 78278 |  |  |  | 34727767 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-03): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-10-01): econsent | 10/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 75048 |  |  |  | 34727783 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-10-03): [Redacted]received multiple CDs and LEs along with the [Redacted].<br>Buyer Comment (2025-10-01): docs uploaded<br>Buyer Comment (2025-10-01): [Redacted]s<br>Buyer Comment (2025-10-01): [Redacted]<br>Buyer Comment (2025-10-01): [Redacted]'s uploaded | 10/03/2025 |  |  | 1 C A |  | [Redacted] | 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 88439 |  |  |  | 34727788 |  | 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 later of the note or transaction date |  |  |  | Reviewer Comment (2025-10-06): Received and associated Hazard Insurance Policy. Exception Cleared.<br>Buyer Comment (2025-10-02): \*<br>Buyer Comment (2025-10-02): MASTER INSURANCE [Redacted] PAGE | 10/06/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 88439 |  |  |  | 34727790 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-10-08): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-10-05): sent to tpr<br>Buyer Comment (2025-10-04): VOE- [Redacted] | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 88439 |  |  |  | 34727791 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-10-08): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-10-05): rebutted<br>Buyer Comment (2025-10-04): VOE- [Redacted] | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 93156 |  |  |  | 34727799 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing validity of [Redacted]. |  |  |  | Reviewer Comment (2025-10-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-05): \*<br>Buyer Comment (2025-10-04): ptin verification | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 44497 |  |  |  | 34727801 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-10-07): fraud<br>Reviewer Comment (2025-10-07): Please provide Fraud Report. Exception Remains.<br>Buyer Comment (2025-10-03): doc uploaded | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 44497 |  |  |  | 34727803 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 44497 |  |  |  | 34727804 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow seasoning on asset depletion income to be less than[Redacted] months as the proceeds from a recent sale of a property is being used for asset depletion. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-03): Lender exception in file. |  |  | 10/03/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 61384 |  |  |  | 34761759 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan is failing QM points and fees. Please provide the undiscounted rate and the undiscounted price. |  |  |  | Reviewer Comment (2025-10-30): Client restated to NQM.<br>Seller Comment (2025-10-28): agree with the fail, please restate as NQM | 10/30/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 61384 |  |  |  | 34761760 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] [Redacted] is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted][Redacted]). | The loan is failing QM points and fees. Please provide the undiscounted rate and the undiscounted price. |  |  |  | Reviewer Comment (2025-10-30): Client restated to NQM.<br>Seller Comment (2025-10-28): agree with the fail, please restate as NQM | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 61384 |  |  |  | 34852947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-11-06): Client accepts as is. |  |  | 11/06/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 35289 |  |  |  | 34757652 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of the Flood Certificate. |  |  |  | Reviewer Comment (2025-10-01): Received and associated Flood Certificate. Exception Cleared.<br>Buyer Comment (2025-09-29): \*<br>Buyer Comment (2025-09-29): Flood cert | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 35289 |  |  |  | 34757653 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The file is missing a copy of the Note Addendum - Prepayment. |  |  |  | Reviewer Comment (2025-10-01): Received and associated Note Addendum - Prepayment. Exception Cleared.<br>Buyer Comment (2025-09-29): \*<br>Buyer Comment (2025-09-29): PPP Addendum | 10/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | Yes |
|  | 35289 |  |  |  | 34757654 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-01): Received and associated Guarantor Agreement. Exception Cleared.<br>Buyer Comment (2025-09-29): \*<br>Buyer Comment (2025-09-29): Guarantor Agreement | 10/01/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 71646 |  |  |  | 34757656 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-05): Cleared | 11/05/2025 |  |  | 1 A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 71646 |  |  |  | 34757657 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-16): Received and associated Title Final Policy with the coverage amount $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-10-14): commitment uploaded $[Redacted]k | 10/16/2025 |  |  | 1 B A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 71646 |  |  |  | 34757658 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-10-16): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-10-14): Commitment<br>Buyer Comment (2025-10-14): Business Purpose Certificate<br>Buyer Comment (2025-10-14): usiness Purpose Certificate | 10/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 15549 |  |  |  | 34757697 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Closing Disclosure not provided to [Redacted] at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-14): [Redacted]received disclosure summary for initial CD.<br>Buyer Comment (2025-10-13): disclosure summary uploaded.<br>Reviewer Comment (2025-10-03): [Redacted]received same disclosures summary as provided earlier however, as per disclosures summary we are unable to identify from available details like package ID Event ID or document name that the provided summary is for initial CD as on CD documents the package IDs are not provided. Please provide more information to validate the earliest receipt of initial CD.<br>Buyer Comment (2025-10-01): See docs provided<br>Reviewer Comment (2025-09-29): [Redacted]received disclosure summary, however we are unable to identify from summary that disclosure summary is for closing disclosure as it doesn't provide document details.<br>Buyer Comment (2025-09-26): See docs provided | 10/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 15549 |  |  |  | 34757698 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-14): [Redacted]received disclosure summary for revised LE.<br>Buyer Comment (2025-10-13): disclosure tracking uploaded showing receipt[Redacted].<br>Reviewer Comment (2025-10-03): [Redacted]received same disclosures summary as provided earlier however, as per disclosures summary we are unable to identify from available details like package ID Event ID or document name that the provided summary is for final LE as on LE documents the package IDs are not provided. Please provide more information to validate the earliest receipt of final LE.<br>Buyer Comment (2025-10-01): See audit trail<br>Reviewer Comment (2025-09-26): [Redacted] LE is without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [Redacted]. Consummation date is [Redacted].[Redacted] is day [Redacted], [Redacted] is day [Redacted], [Redacted] is day [Redacted], and [Redacted] is day [Redacted]<br>Buyer Comment (2025-09-25): LE was dated[Redacted]/[Redacted]. Closing was [Redacted]. [Redacted] days would be[Redacted]. Timing was sufficient. | 10/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 69617 |  |  |  | 34757707 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing validity of the [Redacted]. |  |  |  | Reviewer Comment (2025-10-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-02): See docs provided | 10/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 11271 |  |  |  | 34757714 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted]requires [Redacted]years income. Missing [Redacted][Redacted] and [Redacted] [Redacted]. |  |  |  | Reviewer Comment (2025-10-09): Client changed program to [Redacted].<br>Buyer Comment (2025-10-06): Loan program updated to [Redacted]year full doc. Updated rate-lock provided. | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 11271 |  |  |  | 34757715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | [Redacted]requires [Redacted] years income. Missing [Redacted][Redacted] lien and [Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-10-09): Client changed program to [Redacted].<br>Buyer Comment (2025-10-06): Loan program updated to [Redacted]year full doc. Updated rate-lock uploaded to [Redacted]. | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 11271 |  |  |  | 34757716 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | [Redacted]requires [Redacted] years income. Missing [Redacted][Redacted] lien and [Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-10-09): Client changed program to [Redacted].<br>Buyer Comment (2025-10-06): Loan program updated to [Redacted]year full doc. Updated rate-lock uploaded to [Redacted]. | 10/09/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 67881 |  |  |  | 34757719 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-10-15): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-10-13): CDA | 10/15/2025 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67881 |  |  |  | 34757721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted][Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-10-09): [Redacted]Received Valid [Redacted]dated [Redacted].<br>Buyer Comment (2025-10-08): see attached [Redacted] | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 74510 |  |  |  | 34757722 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate image provided is unreadable. |  |  |  | Reviewer Comment (2025-10-10): Received and associated Flood Certificate. Exception Cleared<br>Buyer Comment (2025-10-08): Attached<br>Buyer Comment (2025-10-08): Flood cert | 10/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 74510 |  |  |  | 34757726 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Integrated Closing Disclosure not provided to [Redacted] at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-13): [Redacted]received CD dated [Redacted]<br>Buyer Comment (2025-10-09): Initial CD. Note date is [Redacted]. | 10/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 92645 |  |  |  | 34782085 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Lender approved exception at origination to allow [Redacted] having less than [Redacted]month ownership history. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-23): Lender exception in file. |  |  | 10/23/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 90574 |  |  |  | 34783504 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Lender approved exception at origination to allow [Redacted] to have less than [Redacted] months primary mortgage history. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-31): The client elects to waive.<br>Seller Comment (2025-10-29): The Approved Exception is found on page [Redacted]) of [Redacted]. Please Waive. |  |  | 10/31/2025 | 2 C B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 71039 |  |  |  | 34806509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow new leases without receiving proof of the security deposits. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Lender exception in file. |  |  | 10/28/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 71039 |  |  |  | 34835660 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence[Redacted] payment was made on subject property to [Redacted]. |  |  |  | Reviewer Comment (2025-11-10): Documentation provided; exception cleared.<br>Seller Comment (2025-11-06): Uploaded the [Redacted]Statement showing the payment for[Redacted]on the [Redacted] page of the statement. Please Clear | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 71039 |  |  |  | 34835704 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence [Redacted] is not a [Redacted]. [Redacted] lives rent free and has owned subject for [Redacted] months. [Redacted] month landlord history is required. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-10): Lender exception provided.<br>Seller Comment (2025-11-07): Approved Revised exception removed prior exception terms "[Redacted]must NOT be considered a FTI and documented [Redacted] payment history on subject mortgage is required." Please Waive. |  |  | 11/10/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 28150 |  |  |  | 34835877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No [Redacted] Paid Fees Primary Residence [Redacted] Lien | TRID Final Closing Disclosure [Redacted] on a [Redacted] lien purchase transaction did not disclose any [Redacted] paid fees/charges on Page [Redacted] | Final Closing Disclosure [Redacted] on a [Redacted] lien purchase transaction did not disclose any [Redacted] paid fees/charges on page [Redacted]. A [Redacted] Closing Disclosure was not provided. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]received valid rebuttal comment and supporting Final settlement statement present in the loan file with [Redacted] paid fees.<br>Seller Comment (2025-11-06): [Redacted] - Entered comments in[Redacted]& [Redacted]. Exception is invalid - please cancel. Alta Settlement Statement - Combined - is located in [Redacted]- Closing Statement - Pages[Redacted]- Document # [Redacted]. [Redacted] paid fees are not required to be disclosed on [Redacted]Final CD - Combined Alta Settlement Statement, [Redacted] Settlement Statement and/or CD are acceptable documentation. Document was in [Redacted]at time of review - please cancel. | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 42153 |  |  |  | 34886476 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a copy of the signed operating agreement for [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): Documentation provided; exception cleared.<br>Seller Comment (2025-11-14): Attached the operating agreement for [Redacted]. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 71172 |  |  |  | 34838606 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed was $[Redacted] . Calculated Amount Financed is $[Redacted] . Variance of $[Redacted]. Title- Tax Certificate Fee of $[Redacted]on Final CD Section[Redacted] |  |  |  | Reviewer Comment (2025-10-16): [Redacted]received lender attestation confirming tax certif fee was a[Redacted] time fee and not [Redacted].<br>Buyer Comment (2025-10-16): see LOE from title in on # [Redacted]<br>Reviewer Comment (2025-10-14): My apologies, let me rephrase. A fee is, or is not, a finance charge based on fee purpose and other factors. In the case of a tax certificate fee more clarification is required. If the paid service provided by the tax certificate fee is for a one-time service, prior to closing then the fee would be tested as a non-[Redacted]fee. If the service provided take place over the life of the loan, then the fee should be tested as a finance charge.<br>Buyer Comment (2025-10-13): Docs uploaded<br>Reviewer Comment (2025-10-10): Upfront one-time determination Tax Cert is excluded, however [Redacted] tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for [Redacted] tax service as applicable.<br>Buyer Comment (2025-10-08): docs uploaded | 10/16/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 71172 |  |  |  | 34838607 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge of $[Redacted]. Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. Title- Tax Certificate Fee of $[Redacted]on Final CD Section[Redacted] |  |  |  | Reviewer Comment (2025-10-16): [Redacted]received lender attestation confirming tax certif fee was a[Redacted] time fee and not [Redacted].<br>Buyer Comment (2025-10-15): tax docs sent<br>Buyer Comment (2025-10-15): please see attached in regards to the tax<br>Reviewer Comment (2025-10-14): My apologies, let me rephrase. A fee is, or is not, a finance charge based on fee purpose and other factors. In the case of a tax certificate fee more clarification is required. If the paid service provided by the tax certificate fee is for a [Redacted] time service, prior to closing then the fee would be tested as a non-[Redacted]fee. If the service provided take place over the life of the loan, then the fee should be tested as a finance charge.<br>Buyer Comment (2025-10-13): [Redacted]<br>Reviewer Comment (2025-10-10): Upfront one-time determination Tax Cert is excluded, however [Redacted] tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for [Redacted] tax service as applicable.<br>Buyer Comment (2025-10-09): see docs \*\* [Redacted] | 10/16/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 71172 |  |  |  | 34838609 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] days of the Note. |  |  |  |  |  | Reviewer Comment (2025-10-09): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-10-07): see attached VOE | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58439 |  |  |  | 34838615 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the lease agreement for [Redacted] |  |  |  | Reviewer Comment (2025-10-15): Received and associated Updated 1008 and 1003 removing use of rental income for[Redacted] Exception Cleared<br>Buyer Comment (2025-10-13): 1008 removing use of rental income for[Redacted]<br>Buyer Comment (2025-10-13): 1003 removing use of rental income for[Redacted] | 10/15/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 58439 |  |  |  | 34838616 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | The file is missing a copy of[Redacted]consent agreement. |  |  |  | Reviewer Comment (2025-10-14): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-10-10): see attached agreement | 10/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 58439 |  |  |  | 34838617 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of Business Narrative. |  |  |  | Reviewer Comment (2025-10-13): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-10-09): \*<br>Buyer Comment (2025-10-09): Business Narrative | 10/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 58439 |  |  |  | 34838618 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-10-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-09): [Redacted]for rate-lock | 10/14/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 58439 |  |  |  | 34838620 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing business narrative for business income being used to qualify. |  |  |  | Reviewer Comment (2025-10-13): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-10-09): Business Narrative uploaded up to [Redacted]. | 10/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 58439 |  |  |  | 34838622 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted]incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. |  |  |  | Reviewer Comment (2025-10-17): [Redacted]received [Redacted] and LOE.<br>Buyer Comment (2025-10-16): docs uploaded from lender<br>Reviewer Comment (2025-10-14): [Redacted]received [Redacted] Corrected CD. Missing copy of LOE to [Redacted]which accompanied the [Redacted] to finalize cure.<br>Buyer Comment (2025-10-13): docs uploaded |  | 10/17/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 58439 |  |  |  | 34838623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing business narrative for business income being used to qualify. |  |  |  | Reviewer Comment (2025-10-13): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-10-09): Business Narrative uploaded up to [Redacted]. | 10/13/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 31661 |  |  |  | 34838632 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] [Redacted]for [Redacted] from [Redacted] |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-21): see attached 1099 | 10/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 31661 |  |  |  | 34838633 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted][Redacted]for [Redacted]from [Redacted] |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared. | 10/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 31661 |  |  |  | 34838634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [Redacted][Redacted] for [Redacted] from [Redacted] |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared. | 10/23/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 31661 |  |  |  | 34838635 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing [Redacted][Redacted]for [Redacted] from[Redacted] |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared. | 10/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 82048 |  |  |  | 34838636 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-16): Received and associated Final Title Policy. Exception Cleared. | 10/16/2025 |  |  | 1 A |  | [Redacted] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 82048 |  |  |  | 34838637 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-16): Received and associated Final Title Policy. Exception Cleared.<br>Buyer Comment (2025-10-14): Title Commitment | 10/16/2025 |  |  | 1 B A |  | [Redacted] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 82048 |  |  |  | 34838639 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | The Appraisal Fee increased from $[Redacted] on the initial Loan Estimate to $[Redacted] without a valid change of circumstance. Please note: the file does contain a COC; however, the reason for the change noted is due to rate lock, which the rate lock would not affect the appraisal fee. |  |  |  | Reviewer Comment (2025-10-15): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check<br>Buyer Comment (2025-10-14): [Redacted], loe, proof mailing & copy of check. |  | 10/15/2025 |  | 2 C B |  | [Redacted] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 73453 |  |  |  | 34838642 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] party verification of the existence of the Business was not provided within [Redacted] calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared. | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 73453 |  |  |  | 34838643 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] party verification of the existence of the Business was not provided within [Redacted] calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-15): [Redacted] party verification | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 73453 |  |  |  | 34838644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] party verification of the existence of the Business was not provided within [Redacted] calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared. | 10/17/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 69441 |  |  |  | 34838678 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation. |  |  |  | Reviewer Comment (2025-10-23): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-10-21): cda | 10/23/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 71208 |  |  |  | 34838721 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement provided is not signed by the owner of the business. |  |  |  | Reviewer Comment (2025-10-07): Received and associated Operating Agreement for '[Redacted]'. Exception Cleared.<br>Buyer Comment (2025-10-03): signed document<br>Buyer Comment (2025-10-03): signed operating agreement<br>Buyer Comment (2025-10-03): \* | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 71208 |  |  |  | 34838722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated Employer Identification Number (EIN). Exception Cleared<br>Buyer Comment (2025-10-06): EIN<br>Reviewer Comment (2025-10-06): Provided document is not included with the [Redacted]' digits EIN number. Please provide the Employer Identification Number (EIN). Exception Remains.<br>Buyer Comment (2025-10-02): \* | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 28969 |  |  |  | 34838724 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2025-10-06): doc uploaded<br>Buyer Comment (2025-10-03): \*<br>Buyer Comment (2025-10-03): CPL | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 74599 |  |  |  | 34838726 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated Employer Identification Number for [Redacted] Exception Cleared.<br>Buyer Comment (2025-10-03): EIN # [Redacted]<br>Buyer Comment (2025-10-03): \* | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 74599 |  |  |  | 34838728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated Operating Agreement for [Redacted] Exception Cleared.<br>Buyer Comment (2025-10-03): \*<br>Buyer Comment (2025-10-03): [Redacted] | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 74599 |  |  |  | 34838729 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated Certificate of Good Standing for [Redacted] Exception Cleared.<br>Buyer Comment (2025-10-03): \*<br>Buyer Comment (2025-10-03): [Redacted] | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 74599 |  |  |  | 34838730 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-10-07): Received and associated [Redacted]/Formation for [Redacted] Exception Cleared.<br>Buyer Comment (2025-10-03): \*<br>Buyer Comment (2025-10-03): [Redacted] | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 98536 |  |  |  | 34838819 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification was not provided. |  |  |  | Reviewer Comment (2025-10-17): Received and associated updated 1003 and 1008. Exception Cleared<br>Buyer Comment (2025-10-16): Lender confirmed no additional fees other that the PITIA associated with the property- corrected 1008 uploaded<br>Reviewer Comment (2025-10-08): Provided HOA Verification document reflects[Redacted], Mortgage Statement is showing Escrow (Taxes and Insurance) for REO Property "[Redacted]", however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-10-05): docs uploaded | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36082 |  |  |  | 34838825 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing validity of tax preparer. |  |  |  | Reviewer Comment (2025-10-08): Received and associated CPA Verification. Exception Cleared<br>Buyer Comment (2025-10-06): CPA | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36082 |  |  |  | 34838827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | Missing validity of tax preparer. |  |  |  | Reviewer Comment (2025-10-08): Received and associated CPA Verification. Exception Cleared | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36082 |  |  |  | 34838828 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing validity of tax preparer. |  |  |  | Reviewer Comment (2025-10-08): Received and associated CPA Verification. Exception Cleared | 10/08/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 36082 |  |  |  | 34838829 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter explaining lack of deposits for [Redacted] |  |  |  | Reviewer Comment (2025-10-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-22): docs uploaded | 10/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36082 |  |  |  | 34838830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] months cancelled checks or bank statements to verify payments to private mortgage holder. |  |  |  | Reviewer Comment (2025-10-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-15): See docs provided<br>Reviewer Comment (2025-10-08): Unable to determine what is paid to private mortgage holder with docs provided.<br>Buyer Comment (2025-10-05): docs uploaded | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 11862 |  |  |  | 34853318 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Complete copy of [Redacted] if any, (and all amendments) including provisions that permit the acquisition, improvement and/or maintenance of the property along with the ability to mortgage the property. If the Secretary of State from the [Redacted] home state does not require an Operating Agreement, then an Officer's Certificate is required. |  |  |  | Reviewer Comment (2025-11-13): Received and associated Operating Agreement. Exception Cleared<br>Seller Comment (2025-11-12): Attached another Copy. Please Clear<br>Reviewer Comment (2025-11-10): Received the Operating Agreement; however, the document is not clearly visible and appears to be unreadable in its current format. Kindly provide an updated and legible version. Exception remains<br>Seller Comment (2025-11-06): Attached the operating agreement for [Redacted]. Please Clear. | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 11862 |  |  |  | 34853481 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | Lender approved exception at origination to allow [Redacted] to have [Redacted] financed properties. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-03): Lender elects to waive with verified compensation factors |  |  | 11/03/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 11862 |  |  |  | 34887719 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | [Redacted] is dated > [Redacted] days. All credit documentation must be no more than [Redacted] days old at time of closing. |  |  |  | Reviewer Comment (2025-11-11): Received and associated Business Entity Listing Certificate for[Redacted]that is within [Redacted] days of the note date. Exception Cleared<br>Seller Comment (2025-11-07): Attached the Certificate of Good Standing for[Redacted]that is within [Redacted] days of the note date. Please Clear | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 11862 |  |  |  | 34887728 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City does not match |  |  |  | Reviewer Comment (2025-11-14): Documentation provided; exception cleared.<br>Seller Comment (2025-11-12): Attached the Corrected Flood Cert. | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 67839 |  |  |  | 34914370 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Max cash out in hand is $[Redacted] per guidelines. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by [Redacted]points. | The representative FICO score exceeds the guideline minimum by [Redacted]points. | SitusAMC<br>Originator | Reviewer Comment (2025-11-21): Post close lender exception provided.<br>Seller Comment (2025-11-19): Attached the Approved Exception |  |  | 11/21/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 28784 |  |  |  | 34864613 |  | 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 the final title policy. |  |  |  | Reviewer Comment (2025-10-27): Received and associated Title Preliminary. Exception Cleared<br>Buyer Comment (2025-10-23): Title with loan amount | 10/27/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 65976 |  |  |  | 34888006 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $29.95 exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 65976 |  |  |  | 34888007 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow pooled master insurance on a non-warrantable condo project. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income.<br>[Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-13): Lender exception in file. |  |  | 10/13/2025 | 2 C B |  | [Redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 65976 |  |  |  | 34888008 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing [Redacted] party verification of business for Sch [Redacted] income being used to qualify. |  |  |  | Reviewer Comment (2025-10-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-07): \*<br>Buyer Comment (2025-10-07): see [Redacted] | 10/09/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 65976 |  |  |  | 34888009 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - [Redacted]Test | Ability-to-Repay ([Redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted] - party records. | Missing [Redacted] party verification of business for Sch[Redacted] income being used to qualify. |  |  |  | Reviewer Comment (2025-10-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-07): docs uploaded<br>Buyer Comment (2025-10-07): uploaded<br>Buyer Comment (2025-10-07): [Redacted] showing branch office & licensed broker & business search | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 65976 |  |  |  | 34888010 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([Redacted]): General Ability-to-Repay requirements not satisfied. | Missing [Redacted] party verification of business for Sch [Redacted] income being used to qualify. |  |  |  | Reviewer Comment (2025-10-09): Documentation provided; exception cleared. | 10/09/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 23336 |  |  |  | 34888024 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-30): CDA | 10/30/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 16955 |  |  |  | 34888028 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | [Redacted]: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-28): docs uploaded | 10/30/2025 |  |  | 1 C A |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 46341 |  |  |  | 34888041 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | [Redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [Redacted] form was used, the[Redacted] form should have been used. | Based on review of the Note and Title Commitment the transaction was a same lender refinance. |  |  |  | Reviewer Comment (2025-10-30): [Redacted] provided at closing.<br>Reviewer Comment (2025-10-30): Cure requires LOE to the [Redacted].<br>Buyer Comment (2025-10-28): see attached | 10/30/2025 |  |  | 1 C A |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 41664 |  |  |  | 34888043 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-29): updated title | 10/30/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 47901 |  |  |  | 34888074 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please verify [Redacted] additional debts being paid off at closing are for the subject property and not for personal use. |  |  |  | Reviewer Comment (2025-10-29): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-27): \*<br>Buyer Comment (2025-10-27): liens on subject property for [Redacted] paid at closing- not personal debt- payoff good thru [Redacted] closing agent added interest cushion of $[Redacted]onto each | 10/29/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 75322 |  |  |  | 34888094 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of Account Statement for[Redacted] |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-29): docs uploaded<br>Reviewer Comment (2025-10-13): Missing [Redacted] statement acct [Redacted], from[Redacted]-[Redacted]<br>Buyer Comment (2025-10-09): See docs provided | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 75322 |  |  |  | 34888096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-29): docs uploaded<br>Reviewer Comment (2025-10-13): Missing [Redacted] statement acct [Redacted], from[Redacted]-[Redacted]<br>Buyer Comment (2025-10-09): See docs provided | 10/30/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 75322 |  |  |  | 34888098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-10-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-30): docs uploaded<br>Reviewer Comment (2025-10-13): Missing [Redacted] statement acct [Redacted], from[Redacted]-[Redacted]<br>Buyer Comment (2025-10-09): See docs provided | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 80832 |  |  |  | 34888101 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-10-17): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-10-16): see attached fraud report | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 80832 |  |  |  | 34888104 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted] or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 80832 |  |  |  | 34888105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 37743 |  |  |  | 34888110 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | [Redacted] Letter provided did not verify each[Redacted]ownership percentage and length of ownership for their respective businesses. Business name was not provided. |  |  |  | Reviewer Comment (2025-10-30): Received and associated CPA Letter. Exception Cleared<br>Buyer Comment (2025-10-28): CPA letter | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 37743 |  |  |  | 34888111 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Letter provided did not verify each[Redacted]ownership percentage and length of ownership for their respective businesses. Business name was not provided. |  |  |  | Reviewer Comment (2025-10-30): Received and associated CPA Letter. Exception Cleared<br>Buyer Comment (2025-10-28): cpa letter uploaded | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 37743 |  |  |  | 34888112 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Letter provided did not verify each[Redacted]ownership percentage and length of ownership for their respective businesses. Business name was not provided. |  |  |  | Reviewer Comment (2025-10-30): Received and associated CPA Letter. Exception Cleared<br>Buyer Comment (2025-10-28): cpa letter uploaded | 10/30/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 41901 |  |  |  | 34932014 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted]Non Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted].[Redacted], or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-11-28): An email from the [Redacted]stating when the appraisal was received was provided.<br>Seller Comment (2025-11-25): [Redacted] - Entered comments in[Redacted]& [Redacted]. This exception should clear as [Redacted]with exception [Redacted]. | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 41901 |  |  |  | 34932015 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA [Redacted]Appraisal Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-28): An email from the [Redacted]stating when the appraisal was received was provided.<br>Seller Comment (2025-11-25): [Redacted] - Entered comments in[Redacted]& [Redacted]. Uploaded LOX - e-mail to [Redacted]requesting confirmation of receipt of revised appraisal the week before closing. [Redacted]confirmed receipt, which is at least [Redacted] days prior to closing on [Redacted]. | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 41901 |  |  |  | 35120455 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA [Redacted]Appraisal Rule ([Redacted]): Creditor did not provide a copy of revised valuation to applicant [Redacted] business days prior to consummation. | Per the email received the [Redacted] did not receive the revised appraisal until [Redacted] |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Seller Comment (2025-12-02): [Redacted]- [Redacted]- should clear with [Redacted]. The e-mail provided clearly states "[Redacted] e-mail on[Redacted]." This date is the date of the e-mail, not the date the [Redacted]received the appraisal. The [Redacted]confirmed receipt of revised appraisal the week before closing, which would be more than [Redacted] business days prior to closing on [Redacted]. Please clear exception and refer to trailing document - [Redacted]. | 12/04/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 56347 |  |  |  | 34931117 |  | Credit | Income | Income Error | Income | Documentation indicates that [Redacted] is on temporary leave of absence. File is missing the date in which [Redacted] began leave. |  | The employer letter confirms the return date; however, the date the leave began is not verified in the file. |  |  |  | Reviewer Comment (2025-11-20): Received and associated Employer Letter for Leave of Absence. Exception Cleared.<br>Seller Comment (2025-11-19): Attached the Revised Leave Letter. | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34931147 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the business tax return and [Redacted] for the Co-[Redacted]'s business. |  |  |  | Reviewer Comment (2025-11-20): Received and associated [Redacted]and[Redacted]. Exception Cleared.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34931199 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage amount is $[Redacted]. The appraisal reflected the Estimated Cost New as $[Redacted]. The loan amount is $[Redacted]. The file does not contain a Replacement Cost Estimator. The hazard insurance is short by $[Redacted]. |  |  |  | Reviewer Comment (2025-11-20): Received and associated Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-11-18): Attached the [Redacted]. Please Clear | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34931204 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file is missing a copy of AUS. |  |  |  | Reviewer Comment (2025-11-20): Received and associated updated AUS. Exception Cleared.<br>Seller Comment (2025-11-18): Attached the AUS. Please Clear. | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34931264 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [Redacted] & [Redacted]is missing for co-[Redacted]. |  |  |  | Reviewer Comment (2025-11-20): Received and associated [Redacted]and[Redacted]. Exception Cleared.<br>Seller Comment (2025-11-18): Attached the [Redacted] & [Redacted]for [Redacted], who owns [Redacted] of the business ([Redacted]) | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934671 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file is missing the ownership verification for the business assets. |  |  |  | Reviewer Comment (2025-11-26): Received and associated schedule[Redacted] for the business '[Redacted]'. Exception cleared.<br>Seller Comment (2025-11-25): The Mortgage is in both [Redacted] and [Redacted], A Married Couple. Please Cancel.<br>Reviewer Comment (2025-11-20): Received article of organization however it doesn't reflect the [Redacted] name [Redacted]and[Redacted] reflects [Redacted] ownership for the year of [Redacted]. Please provide proof to verify the current year [Redacted]of ownership. Exception Remains.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934723 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | The file is missing evidence of ownership for the business funds. In addition, the file is missing the [Redacted] to verify the actual reserves that are required. The reserves noted are from the [Redacted]. |  |  |  | Reviewer Comment (2025-11-26): Received and associated schedule[Redacted] for the business '[Redacted]'. Exception cleared.<br>Seller Comment (2025-11-25): The Mortgage is in both [Redacted] and [Redacted], A Married Couple. Please Cancel.<br>Reviewer Comment (2025-11-20): Received article of organization however it doesn't reflect the [Redacted] name [Redacted]and[Redacted] reflects [Redacted] ownership for the year of [Redacted]. Please provide proof to verify the current year [Redacted]of ownership. Exception Remains.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934724 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | The file is missing evidence of ownership for the business funds. In addition, the file is missing the [Redacted] to verify the actual required assets. The assets noted are from the [Redacted]. |  |  |  | Reviewer Comment (2025-11-20): Received and associated LP asset requirement updated. Exception Cleared.<br>Seller Comment (2025-11-18): Attached the [Redacted]. that [Redacted] owns [Redacted] of the Company. | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934731 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The file is missing evidence of ownership for the business funds. |  |  |  | Reviewer Comment (2025-11-26): Received and associated schedule[Redacted] for the business '[Redacted]'. Exception cleared.<br>Seller Comment (2025-11-25): The Mortgage is in both [Redacted] and [Redacted], A Married Couple. Please Cancel.<br>Reviewer Comment (2025-11-20): Received article of organization however it doesn't reflect the [Redacted] name [Redacted]and[Redacted] reflects [Redacted] ownership for the year of [Redacted]. Please provide proof to verify the current year [Redacted]of ownership. Exception Remains.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934864 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The file does not contain the business tax return and [Redacted] for the Co-[Redacted]'s business used for qualification. |  |  |  | Reviewer Comment (2025-11-20): Received and associated [Redacted]and[Redacted]. Exception Cleared.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56347 |  |  |  | 34934878 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The file is missing the [Redacted], business returns and [Redacted]for the Co-[Redacted]'s business and evidence of ownership for the business. |  |  |  | Reviewer Comment (2025-11-20): Received and associated LP,[Redacted], [Redacted]. Exception Cleared.<br>Seller Comment (2025-11-18): [Redacted]Finding to # [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 71184 |  |  |  | 34937849 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] months housing history for [Redacted]'s current primary not provided. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Seller Comment (2025-12-03): Attached the Statement with the [Redacted][Redacted] Payment to complete the [Redacted] Month History. Please Clear | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 99264 |  |  |  | 34940693 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approved for [Redacted] DSCR with [Redacted] Being a [Redacted] but [Redacted] is a seasoned investor with a [Redacted]. Lender exception approval form in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | [Redacted]months reserves | Originator,SitusAMC | Reviewer Comment (2025-11-10): Lender exception in file. |  |  | 11/10/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 25676 |  |  |  | 34945266 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] owns [Redacted]% of [Redacted]Discount, lender exception in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly mortgage payment has decreased by at least [Redacted]%.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The refinance has decreased the [Redacted]monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]k residual income<br>[Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-10): Lender exception in file. |  |  | 11/10/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 21639 |  |  |  | 34915219 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted]based on the Commitment in file. |  |  |  | Reviewer Comment (2025-10-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-10): see attached title | 10/14/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 21639 |  |  |  | 34915221 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification and Business Narrative documentation were not provided. Missing documentation to verify [Redacted]'s percentage of business ownership. |  |  |  | Reviewer Comment (2025-11-03): Received and associated CPA Verification and Business Narrative. Exception Cleared<br>Buyer Comment (2025-10-30): see attached CPA Verification<br>Reviewer Comment (2025-10-17): Please provide CPA Verification. Exception remains<br>Buyer Comment (2025-10-15): see attached narrative | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 21639 |  |  |  | 34915222 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-10-10): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-10-08): see attached fraud report | 10/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 21639 |  |  |  | 34915224 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Verification and Business Narrative documentation were not provided. |  |  |  | Reviewer Comment (2025-11-03): Received and associated CPA Verification and Business Narrative. Exception Cleared<br>Buyer Comment (2025-10-30): see attached docs | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 21639 |  |  |  | 34915228 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 21639 |  |  |  | 34915229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide the missing income documentation. |  |  |  | Reviewer Comment (2025-11-03): Received and associated CPA Verification and Business Narrative. Exception Cleared | 11/03/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 40713 |  |  |  | 34915231 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Per the guidelines, and AUS is required. |  |  |  | Reviewer Comment (2025-11-03): Received and associated AUS. Exception Cleared<br>Buyer Comment (2025-10-30): See AUS<br>Reviewer Comment (2025-10-29): Based on the [Redacted] guidelines that state. AUS:[Redacted] DU Approve/Eligible findings required (ineligible finding due to loan amount only) Note: Loan must be Ineligible for Agency programs or provide a better rate for customer. Exception remains<br>Buyer Comment (2025-10-26): lender dispute<br>Reviewer Comment (2025-10-15): Based on the loan data, [Redacted] is listed. As per their requirements, an AUS submission is necessary. Exception remains<br>Buyer Comment (2025-10-13): AUS is not required on [Redacted] [Redacted] programs | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 23183 |  |  |  | 34915233 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-11-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-31): Updated Title with $[Redacted] k | 11/04/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
|  | 23183 |  |  |  | 34915235 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redacted] Consumer Credit Code: [Redacted] not provided [Redacted] Lien Refinance Notice. | [Redacted] not provided [Redacted] Lien Refinance Notice. |  |  |  | Reviewer Comment (2025-11-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-31): Co Refi Disclosure | 11/04/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
|  | 68920 |  |  |  | 34915248 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for SFR with [Redacted] ADUs. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-29): Lender exceptions in file. |  |  | 10/29/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 67449 |  |  |  | 34915284 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. [Redacted]Valuation supports value. Sec [Redacted] | Note Date: ___; Lien Position: ___ | The File was Missing the [Redacted] Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2025-12-11): Client accepts as is.<br>Buyer Comment (2025-11-03): accept as is<br>Buyer Comment (2025-11-03): sent [Redacted] to [Redacted] and emailed<br>Buyer Comment (2025-11-03): [Redacted] uploaded |  |  | 12/11/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 40605 |  |  |  | 34951172 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception given for to use [Redacted] income with [Redacted]months in service. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-11): Lender exception in file. |  |  | 11/11/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 23997 |  |  |  | 34952103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted] - This is a Non-QM loan product, however, Passes QM Points and fees - does not exceed[Redacted] % threshold - eligible to exclude up to [Redacted] % [Redacted] discount points - $[Redacted] . Undiscounted Rate - closest to par over [Redacted] : [Redacted] /[Redacted] = .[Redacted] , Discount = [Redacted] - .[Redacted] = .[Redacted] , Excludable - $[Redacted] X .[Redacted] = $[Redacted] . | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 23997 |  |  |  | 34952104 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation fail due to Points and Fees exception. |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted] - Loan designation submitted incorrectly as [Redacted]- please restate to Non-QM. | 11/20/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 23997 |  |  |  | 35027241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-01): The client accepts and restated this to Non-QM |  |  | 12/01/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 98744 |  |  |  | 34953001 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | City Report Fee on [Redacted] CD is missing the payee |  |  |  | Reviewer Comment (2025-11-26): A corrected [Redacted] CD was provided.<br>Seller Comment (2025-11-24): [Redacted]- Uploaded revised [Redacted] CD with payee added to City Report Fee Reimbursement - Page[Redacted] | 11/26/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 39505 |  |  |  | 34952210 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted]- This is a Non-QM loan product with valid QM [Redacted]% fail. Loan to be restated as Non-QM. | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 39505 |  |  |  | 34952212 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation fail due to the Points and Fees exception. |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted] - Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 11/20/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 39505 |  |  |  | 35027258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-01): The client accepts as the loan was restated as Non-QM<br>Seller Comment (2025-11-26): [Redacted] Loan restated as Non-QM. |  |  | 12/01/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 29694 |  |  |  | 34960346 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2025-12-16): Received and associated Hazard insurance policy. Exception cleared.<br>Seller Comment (2025-12-12): Attached Updated HOI with Coverage of [Redacted] for the Property located on [Redacted] the Subject Property. Please Clear. | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 79627 |  |  |  | 34962229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | [Redacted] finding due to Schedule [Redacted] for rental income is missing in file resulting in a loan designation discrepancy |  |  |  | Reviewer Comment (2025-12-09): Documentation provided, exception cleared.<br>Reviewer Comment (2025-11-25): Received and associated schedule [Redacted] for the property [Redacted] Exception cleared.<br>Seller Comment (2025-11-24): Attached the Schedule[Redacted] for the REO's. | 12/09/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 79627 |  |  |  | 34962231 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO Schedule [Redacted] Method | General QM: Unable to verify Real Estate Owned income (Schedule [Redacted] Method). File does not contain most [Redacted] year Tax Transcripts, signed and dated [Redacted]'s or Schedule [Redacted]. | File is missing Schedule [Redacted] for rental income for the property located on [Redacted] |  |  |  | Reviewer Comment (2025-11-25): Received and associated schedule [Redacted] for the property '[Redacted]'. Exception cleared.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 79627 |  |  |  | 34962232 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO Schedule [Redacted] Method | General QM: Unable to verify Real Estate Owned income (Schedule [Redacted] Method). File does not contain most [Redacted] year Tax Transcripts, signed and dated [Redacted]'s or Schedule [Redacted]. | File is missing Schedule[Redacted] for rental income for the property located on [Redacted] |  |  |  | Reviewer Comment (2025-12-09): Documentation provided, exception cleared.<br>Reviewer Comment (2025-11-25): Received and associated schedule [Redacted] for the property [Redacted] Exception cleared.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 79627 |  |  |  | 34962241 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing Schedule [Redacted] for rental income for the property located on [Redacted]and [Redacted] |  |  |  | Reviewer Comment (2025-11-25): Received and associated schedule [Redacted] for the property [Redacted] Exception cleared.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 19653 |  |  |  | 34962418 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan desgination[Redacted] (APOR) does not match Higher Priced QM (APOR) |  |  |  | Reviewer Comment (2025-11-19): Client restated loan designation to Higher Priced QM (APOR)<br>Seller Comment (2025-11-17): [Redacted] Loan designation submitted incorrectly as [Redacted]- please restate to Higher-Priced. | 11/19/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 19653 |  |  |  | 35016550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client restated loan designation to Higher Priced QM (APOR). Please accept as is. |  |  |  | Reviewer Comment (2025-11-21): Client accepts as is.<br>Seller Comment (2025-11-19): [Redacted] Loan restated as Higher-Priced. |  |  | 11/21/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | 55693 |  |  |  | 34973852 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to[Redacted] within [Redacted] business days of application. Initial Loan Estimate dated[Redacted]was electronically provided without or prior to [Redacted]'s consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered or placed in the mail to[Redacted] within[Redacted] business days of application |  |  |  | Reviewer Comment (2025-11-19): [Redacted]received [Redacted] Process Summary which shows Sent to Fulfillment date as [Redacted]/[Redacted] which is within[Redacted] days of the application.<br>Seller Comment (2025-11-19): [Redacted] Entered comments in[Redacted]& [Redacted]. Uploaded LOX to [Redacted]. Audit History in [Redacted] Log in [Redacted][Redacted]- Initial Disclosure Package created[Redacted], [Redacted] business days from date application received by lender, [Redacted]. Manual Fulfillment completed [Redacted] [Redacted] business days from date of application -[Redacted] Initial Disclosure Package was printed and sent to [Redacted]via [Redacted] [Redacted][Redacted] to receive electronic documents is not provided prior to application or Initial Disclosure Package - within the 1003/application. This is standard procedure on all loans. There is no timing issue - please review and clear. | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | 55693 |  |  |  | 34973878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM |  |  |  | Reviewer Comment (2025-11-19): Client restated loan designation to Higher Priced QM (APOR)<br>Seller Comment (2025-11-17): [Redacted] Loan designation submitted incorrectly as [Redacted]- please restate to Higher-Priced. | 11/19/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 55693 |  |  |  | 35016576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Please accept as is. |  |  |  | Reviewer Comment (2025-11-21): Client accepts as is.<br>Seller Comment (2025-11-19): [Redacted] - Loan restated as Higher-Priced. |  |  | 11/21/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | 90855 |  |  |  | 34963191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted][Redacted] is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted][Redacted]). |  |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted] - Entered comments in[Redacted]& [Redacted]. This is a Non-QM loan product, however, Passes QM Points and fees - does not exceed [Redacted]threshold - eligible to exclude up to [Redacted] [Redacted] discount points - $[Redacted]discount points eligible to be excluded. Undiscounted Rate - closest to par over [Redacted] : [Redacted] /[Redacted] . | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 90855 |  |  |  | 34963194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation fail due to the Points and Fee exception |  |  |  | Reviewer Comment (2025-11-20): Client restated to Non-QM<br>Seller Comment (2025-11-18): [Redacted] days - Entered comments in[Redacted]& [Redacted]. Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 11/20/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 90855 |  |  |  | 35027276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-01): The client accepts and the loan was restated as Non-QM<br>Seller Comment (2025-11-26): [Redacted] - Loan restated as Non-QM. |  |  | 12/01/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 30389 |  |  |  | 34967126 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . Unable to document source of funds for Earnest Money Deposit of $[Redacted]. [Redacted]Certificate of Deposit account # [Redacted]stated amount of $[Redacted] was not verified with a recent statement. |  |  |  | Reviewer Comment (2025-12-16): The EMD was fully documented.<br>Reviewer Comment (2025-12-15): We have received the [Redacted] ] of the $[Redacted]reflected in the [Redacted] statement for the account ending in [Redacted] . However, the statement indicates that the funds were provided via check, and the corresponding check is missing from the file. Please provide the check to confirm the use of the $[Redacted]as the EMD [Redacted] ]. Exception remains.<br>Seller Comment (2025-12-11): Attached the [Redacted] ] of the $[Redacted]EMD is verified in the [Redacted] statement for account ending [Redacted] , which shows the EMD. In addition, the consecutive monthly statement for the Certificate of Deposit account ending [Redacted] has been uploaded to complete the reserve asset history. Please Clear.<br>Reviewer Comment (2025-11-25): EMD is not [Redacted], the amount of $[Redacted]is transferred from and to a saving account #[Redacted]. Please provide [Redacted] ] of deposit for EMD and [Redacted] more month consecutive statement for[Redacted] Certificate of Deposit account # [Redacted] . Exception Remains.<br>Seller Comment (2025-11-24): The EMD was [Redacted] ]d on page [Redacted]of [Redacted]([Redacted]) and it was backed out of the statement so it was not counted [Redacted] . Please Cancel. | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 30389 |  |  |  | 34967128 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . Unable to document source of funds for Earnest Money Deposit of $[Redacted]. [Redacted]Certificate of Deposit account # [Redacted]stated amount of $[Redacted] was not verified with a recent statement. |  |  |  | Reviewer Comment (2025-12-16): The EMD was fully documented.<br>Reviewer Comment (2025-12-15): We have received the [Redacted] ] of the $[Redacted]reflected in the [Redacted] statement for the account ending in [Redacted] . However, the statement indicates that the funds were provided via check, and the corresponding check is missing from the file. Please provide the check to confirm the use of the $[Redacted]as the EMD [Redacted] ]. Exception remains.<br>Seller Comment (2025-12-11): [Redacted]Finding to # [Redacted]<br>Reviewer Comment (2025-11-25): EMD is not [Redacted] the amount of $[Redacted]is transferred from and to a saving account #[Redacted]. Please provide [Redacted] ] of deposit for EMD and [Redacted] more month consecutive statement for[Redacted] Certificate of Deposit account # [Redacted] . Exception Remains.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 30389 |  |  |  | 34967130 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From [Redacted] $[Redacted] . Unable to document source of funds for Earnest Money Deposit of $[Redacted]. [Redacted] Certificate of Deposit account # [Redacted] stated amount of $[Redacted] was not verified with a recent statement. |  |  |  | Reviewer Comment (2025-12-16): The EMD was fully documented.<br>Reviewer Comment (2025-12-15): We have received the [Redacted] ] of the $[Redacted]reflected in the [Redacted] statement for the account ending in [Redacted] . However, the statement indicates that the funds were provided via check, and the corresponding check is missing from the file. Please provide the check to confirm the use of the $[Redacted]as the EMD [Redacted] ]. Exception remains.<br>Seller Comment (2025-12-11): [Redacted]Finding to # [Redacted]<br>Reviewer Comment (2025-11-25): EMD is not [Redacted] the amount of $[Redacted]is transferred from and to a saving account #[Redacted]. Please provide [Redacted] ] of deposit for EMD and [Redacted] more month consecutive statement for[Redacted] Certificate of Deposit account # [Redacted] . Exception Remains.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 30389 |  |  |  | 34967905 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . Unable to document source of funds for Earnest Money Deposit of $[Redacted]. [Redacted]Certificate of Deposit account # [Redacted]stated amount of $[Redacted]was not verified with a recent statement. |  |  |  | Reviewer Comment (2025-12-16): The EMD was fully documented.<br>Reviewer Comment (2025-12-15): We have received the [Redacted] ] of the $[Redacted]reflected in the [Redacted] statement for the account ending in [Redacted] . However, the statement indicates that the funds were provided via check, and the corresponding check is missing from the file. Please provide the check to confirm the use of the $[Redacted]as the EMD [Redacted] ]. Exception remains.<br>Seller Comment (2025-12-11): [Redacted]Finding to # [Redacted]<br>Reviewer Comment (2025-11-25): EMD is not [Redacted] the amount of $[Redacted]is transferred from and to a saving account #[Redacted]. Please provide [Redacted] ] of deposit for EMD and [Redacted] more month consecutive statement for[Redacted] Certificate of Deposit account # [Redacted] . Exception Remains.<br>Seller Comment (2025-11-24): [Redacted]Finding to # [Redacted] | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 93705 |  |  |  | 34966985 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for Condo with [Redacted] unavailable status due to critical repairs with structural follow up report indicating the identified areas have been repaired is approved. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Lender exception in file. |  |  | 11/13/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 93705 |  |  |  | 34978968 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received and associated Certificate of Good Standing. Exception cleared.<br>Seller Comment (2025-11-24): Attached the Certificate of Good Standing for [Redacted] . Please Clear | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 85845 |  |  |  | 34968122 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [Redacted] % ownership of business, missing LOE from other members for use of business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-12-09): Received and associated Evidence of Access to Funds confirming the [Redacted]has [Redacted]pe[Redacted]nt access to use the business bank account for closing and reserves. Exception Cleared<br>Seller Comment (2025-12-05): [Redacted]Finding to #[Redacted]<br>Reviewer Comment (2025-11-25): Based on the guidelines 'On [Redacted] transactions, when the loan is vesting in an entity and the entity funds are being used for down payment, closing costs and reserves, the [Redacted]may use [Redacted] of the funds if all other entity owners provide an access letter'. [Redacted] ownership in the business is [Redacted] % To use [Redacted] usability of business funds please provide the access letter from all other entity owners. Exception Remains.<br>Seller Comment (2025-11-24): [Redacted]Finding to #[Redacted] | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 85845 |  |  |  | 34968123 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | [Redacted] % ownership of business, missing LOE from other members for use of business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-12-09): Received and associated Evidence of Access to Funds confirming the [Redacted]has [Redacted]pe[Redacted]nt access to use the business bank account for closing and reserves. Exception Cleared<br>Seller Comment (2025-12-05): Attached is the fully executed Access Letter dated/[Redacted], signed by all four [Redacted] business owners, confirming the [Redacted]has [Redacted]pe[Redacted]nt access to use the business bank account for closing and reserves. This satisfies the requirement for authorization from all owners. Please clear.<br>Reviewer Comment (2025-11-25): Based on the guidelines 'On [Redacted] transactions, when the loan is vesting in an entity and the entity funds are being used for down payment, closing costs and reserves, the [Redacted]may use [Redacted] of the funds if all other entity owners provide an access letter'. [Redacted] ownership in the business is [Redacted] % To use [Redacted] usability of business funds please provide the access letter from all other entity owners. Exception Remains.<br>Seller Comment (2025-11-24): This is not needed because the subject property is being purchased directly in the name of [Redacted], not by the individual [Redacted]personally. Please Cancel. | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 26613 |  |  |  | 34966862 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for [Redacted] financing [Redacted] total properties approved. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Lender exception in file. |  |  | 11/13/2025 | 2 B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 26613 |  |  |  | 34967247 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement in file is illegible. |  |  |  | Reviewer Comment (2025-12-04): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2025-12-03): Attached the Updated Operating Agreement for [Redacted] . Please Clear<br>Reviewer Comment (2025-11-25): Received Operating Agreement, however it is not legible unable to read the document. Pease provide the legible Operating Agreement. Exception Remains.<br>Seller Comment (2025-11-24): Attached the Operating Agreement for [Redacted] . Please Clear | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 79528 |  |  |  | 34989344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for 'Condo with [Redacted] unavailable status due to critical repairs with structural follow up report indicating the identified areas have been repaired. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-17): Lender exception in file. |  |  | 11/17/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 79528 |  |  |  | 34998240 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-12-03): Received and associated Certificate of Good Standing. Exception cleared.<br>Seller Comment (2025-12-01): Attached the Certificate of Good Standing for [Redacted] . Please Clear | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 66727 |  |  |  | 34986146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-11-25): The client restated to Non-QM<br>Seller Comment (2025-11-21): [Redacted] - Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 11/25/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 66727 |  |  |  | 35008230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-25): The client restated to Non-QM<br>Seller Comment (2025-11-21): [Redacted] - This is a Non-QM loan product with valid QM [Redacted]fail. Loan to be restated as Non-QM. | 11/25/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 66727 |  |  |  | 35094766 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The client restated to Non-QM |  |  |  | Reviewer Comment (2025-11-25): The client accepts as is |  |  | 11/25/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 70034 |  |  |  | 35002891 |  | 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 | [Redacted]: Subject loan transaction disbursed on [Redacted] prior to [Redacted] business days from transaction date of [Redacted] | Loan was disbursed prior to midnight of [Redacted] business day after consummation. Lender to re-open rescission, provide copy of new right to cancel form, copy of letter of explanation sent to [Redacted], and proof of delivery. Note: This exception will not be cleared until expiration of new rescission period. |  |  |  | Reviewer Comment (2025-12-03): Settlement Statement confirmed disbursement date of[Redacted]<br>Reviewer Comment (2025-12-03): Provide clarification from the closing agent when the loan actually disbursed. Based on loan doc in file, we can determine by the Notary Date that [Redacted]/would be the consummation date. However, as far as disbursement, while the Settlement Statement says [Redacted], it also shows interest beginning on [Redacted]which would be problematic. While the [Redacted]/Disbursement Date as shown on the Final CD would make more sense as it relates to how the interest was disclosed, the Settlement Agent should clarify the dates based on the discrepancy between and within the docs.<br>Seller Comment (2025-12-01): Please see attached copy of final settlement statement showing loan disbursed on [Redacted] which is more than [Redacted] business days from transaction date of [Redacted]. Also attached is evidence of refund to [Redacted]for excess per diem interest collected from [Redacted] instead of[Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 70034 |  |  |  | 35004607 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guides require [Redacted] mo reserves plus [Redacted] mo for each financed property. Lender exception in file for [Redacted] months of reserves with a [Redacted] pricing adjustment | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>[Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-18): The client elects to waive. |  |  | 11/18/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 70034 |  |  |  | 35004664 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The terms of the subject loan provide for a deferment of principal as an interest-only loan. I/O feature is not permitted on QM. Loan Designation can be restated as Non-QM. |  |  |  | Reviewer Comment (2025-11-26): The client restated to Non-QM due to I/O feature.<br>Seller Comment (2025-11-24): Loan contains an IO feature. Please restate as NQM. | 11/26/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 70034 |  |  |  | 35008197 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Deferment of Principal | Qualified Mortgage ([Redacted]): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | I/O feature not permitted on QM. |  |  |  | Reviewer Comment (2025-11-26): The client restated to Non-QM due to I/O feature.<br>Seller Comment (2025-11-24): Loan contains an IO feature. Please restate as NQM. | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 70034 |  |  |  | 35106961 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The client restated to Non-QM due to I/O feature. |  |  |  | Reviewer Comment (2025-11-26): The client accepts |  |  | 11/26/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 35290 |  |  |  | 34989499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | 11/14/2025 |  | 1 A |  | [Redacted] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 56513 |  |  |  | 35005741 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Calculated Debt Service Coverage Ratio (Subject DSCR) of [Redacted] does not meet Guideline Debt Service Coverage Ratio [Redacted]. | [Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-05): Lender exception in file.<br>Seller Comment (2025-12-02): The Lender Exception can be found on page [Redacted] of [Redacted]. Please Accept as is. |  |  | 12/05/2025 | 2 C B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 56513 |  |  |  | 35005803 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for [Redacted] DSCR. | [Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-19): Lender exception in file. |  |  | 11/19/2025 | 2 B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 30921 |  |  |  | 35022778 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing wire, donor check, etc. for both gifts. ($[Redacted] and $[Redacted]). |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Seller Comment (2025-12-03): Attached the wire confirmation for gift funds: $[Redacted]and $[Redacted]. | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 30921 |  |  |  | 35022779 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing wire, donor check, etc. for both gifts. ($[Redacted]and $[Redacted]). |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Seller Comment (2025-12-03): [Redacted]Finding to # [Redacted] | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 30921 |  |  |  | 35022781 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Missing wire, donor check, etc. for both gifts. ($[Redacted]and $[Redacted]). |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Seller Comment (2025-12-03): [Redacted]Finding to # [Redacted] | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 17301 |  |  |  | 35005914 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Letter in file does not state [Redacted] lives rent free. |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Seller Comment (2025-12-03): Attached the Updated Rent Free Letter. Please Clear | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Home Improvement | C A |  | N/A | No |
|  | 78594 |  |  |  | 35018357 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file was missing Evidence of title. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Seller Comment (2025-12-16): [Redacted]to Finding # [Redacted] | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 78594 |  |  |  | 35018377 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-12-17): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Seller Comment (2025-12-16): Attached the Final Title | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 38694 |  |  |  | 35015009 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] [Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Undiscounted rate and undiscounted price entered,, however Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-12-01): The loan was restated as Non-QM<br>Seller Comment (2025-11-26): [Redacted] - This is a Non-QM loan product with valid QM [Redacted]fail. Loan to be restated as Non-QM. | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 38694 |  |  |  | 35015012 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Undiscounted rate and undiscounted price entered, however Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-12-01): The loan was restated as Non-QM<br>Seller Comment (2025-11-26): [Redacted] - Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 12/01/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 38694 |  |  |  | 35127158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The loan was restated as Non-QM |  |  |  | Reviewer Comment (2025-12-01): The client accepts as is. |  |  | 12/01/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 30244 |  |  |  | 35004940 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-06): check and tracking also uploaded<br>Buyer Comment (2025-11-05): docs uploaded<br>Reviewer Comment (2025-10-02): [Redacted]received [Redacted].The inclusion of a fee within Section [Redacted]of the most recent LE provided to the consumer carries the [Redacted]basis for consideration of whether the consumer was permitted to shop. As the title fees was included in Section [Redacted] of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check for $[Redacted].<br>Buyer Comment (2025-10-01): See docs provided |  | 11/07/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 30244 |  |  |  | 35004941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-06): See docs provided<br>Reviewer Comment (2025-10-02): [Redacted]received [Redacted].The inclusion of a fee within Section [Redacted]of the most recent LE provided to the consumer carries the [Redacted]basis for consideration of whether the consumer was permitted to shop. As the title fees was included in Section [Redacted] of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check for $[Redacted].<br>Buyer Comment (2025-10-01): See docs provided |  | 11/07/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 30244 |  |  |  | 35004942 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | Fee added or increased without a valid COC, insufficient or no cure provided. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-06): See docs provided<br>Reviewer Comment (2025-10-02): [Redacted]received [Redacted].The inclusion of a fee within Section [Redacted]of the most recent LE provided to the consumer carries the [Redacted]basis for consideration of whether the consumer was permitted to shop. As the title fees was included in Section [Redacted] of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check for $[Redacted].<br>Buyer Comment (2025-10-01): See docs provided |  | 11/07/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 30244 |  |  |  | 35004943 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using lease agreement and proof of security deposit as opposed to [Redacted] months receipt of rent for departing primary, lender exception in file from [Redacted], missing lender exception from [Redacted]. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-05): Lender exception in file.<br>Buyer Comment (2025-11-03): per most recent overlay only the [Redacted] approved exception is needed<br>Reviewer Comment (2025-10-23): We already have the [Redacted] approved lender exception, the [Redacted] lender exception provided does not have anything marked to show if the exception was approved or denied by [Redacted] .<br>Buyer Comment (2025-10-21): see attached approved exception<br>Reviewer Comment (2025-10-17): The form provided does not indicate if the exception was approved or not.<br>Buyer Comment (2025-10-15): docs uploaded |  |  | 11/05/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30244 |  |  |  | 35004944 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted][Redacted] received [Redacted] .The inclusion of a fee within Section[Redacted] 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 fees was included inSection [Redacted] of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check for $[Redacted]. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-06): See docs provided |  | 11/07/2025 |  | 2 B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 78225 |  |  |  | 35004957 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage amount is $[Redacted]. The appraisal did not provide the Estimated Cost New and the appraised value is $[Redacted]. The loan amount is $[Redacted]. The file does not contain a Replacement Cost Estimator. The hazard insurance is short by $[Redacted]. |  |  |  | Reviewer Comment (2025-10-09): Received and associated Replacement Cost Estimator. Exception Cleared<br>Buyer Comment (2025-10-07): see attached coverage docs | 10/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 78225 |  |  |  | 35004958 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | The initial Closing Disclosure provided is dated the same day as the closing. |  |  |  | Reviewer Comment (2025-10-08): [Redacted]received [Redacted] CD received [Redacted] business days prior to consummation.<br>Buyer Comment (2025-10-07): see attached CD | 10/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 78225 |  |  |  | 35004959 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-11-07): Received and associated updated signed Closing Disclosure. Exception Cleared<br>Buyer Comment (2025-11-05): Sorry. Disregard other documents. CD signed at closing with increased lender credit. Reducing cash to close to $[Redacted]uploaded to [Redacted].<br>Buyer Comment (2025-11-05): Payoff showing loan is due for [Redacted]payment. Page [Redacted]states escrow balance is now $[Redacted]. Indicating the escrows paid the HOI renewal bill. Or the escrow balance would be over $[Redacted].<br>Buyer Comment (2025-11-05): Mortgage statement showing as of [Redacted]payment the escrow balance was $[Redacted]<br>Buyer Comment (2025-11-05): HOI invoice showing paid<br>Reviewer Comment (2025-11-05): We still have a shortfall in reserves. Kindly provide an additional document, as the current PITIA reserves of [Redacted]months are below the guideline requirement of [Redacted]months. Exception remains<br>Buyer Comment (2025-11-03): HOI uploaded<br>Reviewer Comment (2025-10-22): Received the final Closing Disclosure; however, it appears that the [Redacted]has not signed it. Kindly provide the signed Closing Disclosure reflecting the cash to close amount of $[Redacted]. Exception remains<br>Buyer Comment (2025-10-18): dics uploaded<br>Reviewer Comment (2025-10-09): Required reserves is $[Redacted]available for reserves is $[Redacted]. Provide supporting documents for additional reserves of $[Redacted]. Exception remains.<br>Buyer Comment (2025-10-07): see attached docs | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 78225 |  |  |  | 35004960 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan does not meet the reserve requirement and the DTI exceeds the guideline maximum. |  |  |  | Reviewer Comment (2025-11-07): Received and associated updated signed Closing Disclosure. Sufficient assets for closing and reserve requirement verified. Exception Cleared<br>Buyer Comment (2025-11-05): Final CD signed at closing with increased lender credit. Reducing cash to close to $[Redacted]. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 78225 |  |  |  | 35004961 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The Loan Designation does not match due to the loan does not meet the reserve requirement and the DTI exceeds the guideline maximum. |  |  |  | Reviewer Comment (2025-11-07): Received and associated updated signed Closing Disclosure. Sufficient assets for closing and reserve requirement verified. Exception Cleared<br>Buyer Comment (2025-11-05): CD signed at closing with increased lender credit. Reducing cash to close to $[Redacted]uploaded to [Redacted]. | 11/07/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 78225 |  |  |  | 35004962 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The lender used lower all other debts of $[Redacted]to qualify the loan; however, the most recent report reflects all other debt as $[Redacted]. |  |  |  | Reviewer Comment (2025-11-05): Received and Associated Payoff statement from [Redacted] credit. Exception cleared.<br>Buyer Comment (2025-11-03): docs uploaded | 11/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 78225 |  |  |  | 35004963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | The lender used lower all other debts of $[Redacted]to qualify the loan; however, the most recent report reflects all other debt as $[Redacted]. |  |  |  | Reviewer Comment (2025-11-07): Received and Associated Payoff statement from [Redacted] credit. Exception cleared.<br>Buyer Comment (2025-11-05): Payoff statement from Ford credit uploaded to [Redacted]and cleared. Please clear this [Redacted] too. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 19231 |  |  |  | 35004970 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared. | 11/17/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004971 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [Redacted] days of the Note Date. |  | Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted]. |  |  |  | Reviewer Comment (2025-11-17): Received and associated renewal Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-11-13): Verification of renewal | 11/17/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004972 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $[Redacted][Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted][Redacted]. 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 (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): Title | 11/17/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004974 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for [Redacted][Redacted]in [Redacted]-month period with [Redacted] in the most recent [Redacted] months is approved. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-14): Lender exception in file. |  |  | 10/14/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004975 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing closing statement reflecting receipt of secured funds. |  |  |  | Reviewer Comment (2025-10-17): Received and associated Closing Disclosure for secured loan. Exception Cleared<br>Buyer Comment (2025-10-16): Final CD for cash-out refi on investment REO property. | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004976 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of funds from the secured loan. |  |  |  | Reviewer Comment (2025-10-17): Received and associated Closing Disclosure for secured loan. Exception Cleared<br>Buyer Comment (2025-10-16): Final CD for cash-out refi on investment REO property uploaded to [Redacted]. | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004977 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirements. |  |  |  | Reviewer Comment (2025-10-17): Received and associated Closing Disclosure for secured loan. Exception Cleared<br>Buyer Comment (2025-10-16): Final CD for cash-out refi on investment REO property uploaded to [Redacted]. | 10/17/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 19231 |  |  |  | 35004978 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirements. |  |  |  | Reviewer Comment (2025-10-17): Received and associated Closing Disclosure for secured loan. Exception Cleared<br>Buyer Comment (2025-10-16): Final CD for cash-out refi on investment REO property uploaded to [Redacted]. | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004980 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Missing evidence of receipt of funds from secured loan. |  |  |  | Reviewer Comment (2025-10-17): Received and associated Closing Disclosure for secured loan. Exception Cleared<br>Buyer Comment (2025-10-16): Final CD for cash-out refi on investment REO property uploaded to [Redacted]. | 10/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 19231 |  |  |  | 35004981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide complete [Redacted]months mortgage history for primary residence, only[Redacted]months verified on credit. |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): Mortgage History | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 50317 |  |  |  | 35004983 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-07): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-05): clients fraud report | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 44005 |  |  |  | 35004993 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-11-13): Received and associated CDA. Exception Cleared.<br>Buyer Comment (2025-11-11): CDA<br>Reviewer Comment (2025-11-05): Both [Redacted]'s reflect a [Redacted]valuation is required, exception remains.<br>Buyer Comment (2025-11-03): [Redacted] | 11/13/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 39156 |  |  |  | 35005002 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-11-10): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-06): correct [Redacted]<br>Reviewer Comment (2025-11-06): Received [Redacted] with incorrect subject property address. As per note subject property address is [Redacted] Whereas the received [Redacted] reflects [Redacted] Please provide [Redacted] with subject property address. Exception remains.<br>Buyer Comment (2025-11-04): [Redacted] | 11/10/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 19123 |  |  |  | 35005019 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 19123 |  |  |  | 35005020 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of rent reflects one late payment but does not specify when the late payment took place. |  |  |  | Reviewer Comment (2025-11-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-03): Explanation from landlord regarding late payment date | 11/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 44169 |  |  |  | 35005024 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No cure or a valid change of circumstance was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received a valid [Redacted].<br>Buyer Comment (2025-11-05): docs uploaded | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | 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 |
|  | 23681 |  |  |  | 35005026 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable [Redacted], State or Local compliance testing may be unreliable. Closing Disclosure dated[Redacted] used to source fees for testing. | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable [Redacted], State or Local compliance testing may be unreliable. Closing Disclosure dated[Redacted] used to source fees for testing. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received lender attestation confirming CD with [Redacted]date at bottom with no Date Issued was not issued to the [Redacted]and was for internal use<br>Buyer Comment (2025-11-05): [Redacted]cond | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 23681 |  |  |  | 35005027 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on[Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received lender attestation confirming CD with [Redacted]date at bottom with no Date Issued was not issued to the [Redacted]and was for internal use<br>Buyer Comment (2025-11-05): docs uploaded | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 23681 |  |  |  | 35005029 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | 10/30/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 23681 |  |  |  | 35005030 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence departing primary residence sold or include PITI into the DTI, additional exceptions may apply. |  |  |  | Reviewer Comment (2025-11-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-05): docs uploaded | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 23681 |  |  |  | 35005031 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for the planned special assessment being paid by the [Redacted] at closing. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income<br>[Redacted]months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-04): Lender exception in file. |  |  | 11/04/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14768 |  |  |  | 35005032 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-11-06): Received and associated Flood Insurance Policy. Exception Cleared<br>Buyer Comment (2025-11-04): flood<br>Buyer Comment (2025-11-04): \* | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14768 |  |  |  | 35005033 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-11-06): Received and associated Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-11-04): hazard<br>Buyer Comment (2025-11-04): \* | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14768 |  |  |  | 35005035 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | 10/30/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 14768 |  |  |  | 35005036 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): fraud report | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31880 |  |  |  | 35005039 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [Redacted] in [Redacted]'s Business name. Approval in file. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Lender elects to waive with verified compensation factors |  |  | 11/04/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31880 |  |  |  | 35005040 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted]provided does not give sufficient information as to why a CDA was added. An investor requirement is not a valid reason to pass the fee on to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received a valid [Redacted].<br>Buyer Comment (2025-11-04): see attached lender explanation - CDA due to [Redacted] | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 14090 |  |  |  | 35005045 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing validation of [Redacted] and business narrative. |  |  |  | Reviewer Comment (2025-11-12): Received and associated Validation of CPA and Business Narrative. Exception Cleared<br>Buyer Comment (2025-11-08): narrative uploaded<br>Reviewer Comment (2025-11-07): Received Validation of CPA. Please Provide 'Business Narrative' for [Redacted]. Exception remains.<br>Buyer Comment (2025-11-05): See docs provided | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14090 |  |  |  | 35005046 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing validation of [Redacted] and business narrative. |  |  |  | Reviewer Comment (2025-11-12): Received and associated Validation of CPA and Business Narrative. Exception Cleared | 11/12/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 14090 |  |  |  | 35005047 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | Missing validation of [Redacted] and business narrative. |  |  |  | Reviewer Comment (2025-11-12): Received and associated Validation of CPA and Business Narrative. Exception Cleared | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 53987 |  |  |  | 35005050 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] disclosed an Initial Escrow Payment that includes both [Redacted] and non-[Redacted] paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both [Redacted] and non-[Redacted] paid amounts. |  |  |  | Reviewer Comment (2025-11-14): [Redacted]received Letter of Explanation & Corrected CD<br>Buyer Comment (2025-11-13): See docs provided<br>Reviewer Comment (2025-11-10): [Redacted]received Corrected CD. Missing LOE to [Redacted]which accompanied the [Redacted].<br>Buyer Comment (2025-11-07): docs uploaded |  | 11/14/2025 |  | 2 B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 48578 |  |  |  | 35005055 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note in file is not executed. |  |  |  | Reviewer Comment (2025-11-07): Received and associated signed Note - Subject Lien. Exception Cleared<br>Buyer Comment (2025-11-05): Sent to TPR<br>Buyer Comment (2025-11-05): EXECUTED NOTE | 11/07/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 48578 |  |  |  | 35005057 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The security instrument provided in the file is not executed. |  |  |  | Reviewer Comment (2025-11-07): Received and associated signed Security Instrument - Subject Lien. Exception Cleared<br>Buyer Comment (2025-11-05): EXECUTED DEED OF TRUST | 11/07/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14773 |  |  |  | 35005065 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-11-10): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-06): See docs provided | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 14773 |  |  |  | 35005068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 66057 |  |  |  | 35005072 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation for [Redacted]in [Redacted] |  |  |  | Reviewer Comment (2025-11-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-07): LOE | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 46356 |  |  |  | 35005076 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted][Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 97077 |  |  |  | 35005098 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lists Lender's name without the [Redacted]designation |  |  |  | Reviewer Comment (2025-11-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-07): See bottom of page [Redacted] | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 20140 |  |  |  | 35005100 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-11-13): cert | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 80638 |  |  |  | 35005103 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate document is missing in the file. |  |  |  | Reviewer Comment (2025-11-10): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-11-06): Uploaded to portal<br>Buyer Comment (2025-11-06): EXECUTED BUSINESS PURPOSE AND OCCUPANCY | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 85589 |  |  |  | 35005105 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Attorney approval Letter notes a copy of the OA was provided for review. Provide the OA. |  |  |  | Reviewer Comment (2025-11-10): Received and associated Operating Agreement. Exception Cleared<br>Buyer Comment (2025-11-06): uploaded to Portal<br>Buyer Comment (2025-11-06): OPERATING AGREEMENT | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 85589 |  |  |  | 35005106 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | [Redacted]in file is not for the Borrowing Entity (For different business and Property Seller) |  |  |  | Reviewer Comment (2025-11-10): Received and associated Certificate of Good Standing. Exception Cleared<br>Buyer Comment (2025-11-06): uploaded to Portal<br>Buyer Comment (2025-11-06): Good Standing | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 85589 |  |  |  | 35005107 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Attorney approval Letter notes a copy of the Cert of Formation were provided for review. Provide the Cert of Formation (copy in file is for the Property Seller). |  |  |  | Reviewer Comment (2025-11-13): Received and associated [Redacted]/Formation for '[Redacted]'. Exception Cleared.<br>Buyer Comment (2025-11-11): attached are the docs accepted by the attorney<br>Reviewer Comment (2025-11-10): Please Provide [Redacted]/Formation for "[Redacted]". Exception remains.<br>Buyer Comment (2025-11-06): uploaded to Portal<br>Buyer Comment (2025-11-06): Certificate of Organization | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 56217 |  |  |  | 35005108 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-11-13): docs uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 18234 |  |  |  | 35005111 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate document is missing in the file. |  |  |  | Reviewer Comment (2025-11-12): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-11-10): see attached business cert | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 55388 |  |  |  | 35005127 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-10-30): Received and associated Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-10-28): docs uploaded | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 79373 |  |  |  | 35005139 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verify judgement and taxes paid at closing are related to either subject or other rental property. (Cannot be for personal use). |  |  |  | Reviewer Comment (2025-11-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-05): docs uploaded | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 60277 |  |  |  | 35005141 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-11-04): Received and associated Title Final Policy with the coverage amount $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-03): uploaded<br>Buyer Comment (2025-11-03): see [Redacted] | 11/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 60277 |  |  |  | 35005142 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-11-04): Received and associated Title Final Policy with the coverage amount $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-03): title | 11/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 14622 |  |  |  | 35005147 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Note reflects the zip code as [Redacted]; however, the insurance policy reflects [Redacted]-[Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-11-07): Received and associated updated Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-11-05): See updated hazard ins with corrected zip code<br>Buyer Comment (2025-11-05): See hazard with updated zip code | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20332 |  |  |  | 35005159 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-14): [Redacted]<br>Buyer Comment (2025-11-13): fraud report uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20332 |  |  |  | 35005160 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: [Redacted]not provided |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated Fraud Report and [Redacted]. Exception Cleared<br>Buyer Comment (2025-11-13): [Redacted]uploaded<br>Buyer Comment (2025-11-13): [Redacted] uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20332 |  |  |  | 35005161 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-13): Fraud Report | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 61478 |  |  |  | 35021411 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [Redacted] unit under [Redacted]square feet and the unit does not have a full [Redacted]. The unit is not being used for qualifying. Approval in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-21): Lender exception in file. |  |  | 11/21/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 66556 |  |  |  | 35065672 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted][Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing |  | 11/24/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 76282 |  |  |  | 35103089 |  | 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 $[Redacted][Redacted] is less than the note amount of $[Redacted][Redacted] based on the Commitment in file |  |  |  | Buyer Comment (2025-12-12): [Redacted] accepts as-is<br>Seller Comment (2025-12-12): [Redacted] requests [Redacted] review: Pending final TPOL as of [Redacted] |  |  | 12/12/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 11285 |  |  |  | 35103365 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-12): The TPOL was provided. | 12/12/2025 |  |  | 1 A |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 11285 |  |  |  | 35103576 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]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 (2025-12-12): The TPOL was provided.<br>Seller Comment (2025-12-11): Final TPOL<br>Reviewer Comment (2025-12-08): The Preliminary title policy is within[Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Please provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Exception remains.<br>Seller Comment (2025-12-04): The payoff amount is supported in the Escrow Instructions located on page[Redacted] of [Redacted]. This document provides sufficient evidence of the authorized payoff for[Redacted] loans and confirms the amount was approved and disbursed at closing. Please Cancel. | 12/12/2025 |  |  | 1 B A |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 96170 |  |  |  | 35070560 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval form in file for budgeted reserves of [Redacted] with [Redacted] reserves fund balance. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-26): The client elects to waive. |  |  | 11/26/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 64551 |  |  |  | 35128107 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted] exceeds Guideline loan to value percentage of [Redacted]%. Lender exception in the file for waiver of [Redacted] reduction to max LTV due to property recently being listed for sale. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous<br>[Redacted]Experience/Track Record | The DSCR of [Redacted]is greater than the minimum required DSCR of [Redacted].<br>Reserves of [Redacted] months exceeds requirement of [Redacted] months.<br>[Redacted]Experience/Track Record. The [Redacted]has [Redacted] Years of Experience. Currently holds [Redacted] Properties. | Aggregator<br>Aggregator<br>SitusAMC,Aggregator | Reviewer Comment (2025-12-01): The Client elects to waive |  |  | 01/15/2026 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 81388 |  |  |  | 35103060 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Designation Risk Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk |  |  |  | Reviewer Comment (2026-01-15): The client reinstated the loan designation to HPQM.<br>Seller Comment (2026-01-14): Yes<br>Reviewer Comment (2026-01-14): Loan is testing as HPQM (APOR), would you like to restate the loan designation?<br>Reviewer Comment (2026-01-14): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.<br>Seller Comment (2026-01-12): [Redacted]Finding to # [Redacted]<br>Reviewer Comment (2025-12-19): EMD docs are illegible.<br>Seller Comment (2025-12-05): [Redacted]Finding to # [Redacted] | 01/15/2026 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 81388 |  |  |  | 35497715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | The client reinstated the loan designation to [Redacted]. |  |  |  | Reviewer Comment (2026-01-15): The client accepts as is. |  |  | 01/15/2026 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
|  | 61682 |  |  |  | 35068117 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Master Policy showing Flood Insurance for Building was not provided. |  |  |  | Reviewer Comment (2025-11-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-10): See docs provided | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 61682 |  |  |  | 35068118 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-12): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-10): see docs provided | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 61682 |  |  |  | 35068119 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional [Redacted] and/or state compliance violations. | Master Policy showing Flood Insurance for Building was not provided. |  |  |  | Reviewer Comment (2025-11-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-10): See docs provided | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 75604 |  |  |  | 35068123 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted] % is equal to or greater than the threshold of [Redacted]%. |  |  |  |  | Reviewer Comment (2025-11-14): Documentation provided, exception cleared.<br>Buyer Comment (2025-11-12): dispute docs uploaded | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 75604 |  |  |  | 35068124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds [Redacted]. |  |  |  | Reviewer Comment (2025-11-14): Documentation provided, exception cleared.<br>Buyer Comment (2025-11-12): dispute docs uploaded | 11/14/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 75604 |  |  |  | 35068125 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Personal bank statements require either [Redacted] months business bank statements or must be treated as business statements, which require an expense factor be used. [Redacted] % expense factor used resulting in dti of [Redacted] % |  |  |  | Reviewer Comment (2025-11-14): Documentation provided, exception cleared.<br>Reviewer Comment (2025-11-14): As per the guidelines, [Redacted]months of business bank statements are required or must be treated as business statements. An expense factor of[Redacted]% has been applied, resulting in a DTI of [Redacted]%. Exception remains.<br>Buyer Comment (2025-11-12): docs uploaded<br>Reviewer Comment (2025-11-07): Per the guidelines, co-mingled accounts are treated as business accounts and require an expense factor.<br>Buyer Comment (2025-11-06): Please see comments above | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 75604 |  |  |  | 35068126 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Personal bank statements require either [Redacted] months business bank statements or must be treated as business statements, which require an expense factor be used. [Redacted] % expense factor used resulting in dti of [Redacted] % |  |  |  | Reviewer Comment (2025-11-14): Documentation provided, exception cleared.<br>Reviewer Comment (2025-11-14): As per the guidelines, [Redacted]months of business bank statements are required or must be treated as business statements. An expense factor of[Redacted]% has been applied, resulting in a DTI of [Redacted]%. Exception remains.<br>Buyer Comment (2025-11-12): dispute docs uploaded<br>Reviewer Comment (2025-11-07): Per the guidelines, co-mingled accounts are treated as business accounts and require an expense factor.<br>Buyer Comment (2025-11-06): Personal bank statements with a 1099 [Redacted]as a Financial Adviser | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 75604 |  |  |  | 35068127 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([Redacted]): The DTI calculated in accordance with the Lenders Guidelines and[Redacted] of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Personal bank statements require either [Redacted] months business bank statements or must be treated as business statements, which require an expense factor be used. [Redacted] % expense factor used resulting in dti of [Redacted] % |  |  |  | Reviewer Comment (2025-11-14): Documentation provided, exception cleared.<br>Buyer Comment (2025-11-12): dispute docs uploaded | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 81704 |  |  |  | 35068129 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Verification of Insurance Verification, Tax Verification for[Redacted] months |  |  |  | Reviewer Comment (2025-11-13): Received and associated Tax verification & Insurance Verification. Exception Cleared.<br>Buyer Comment (2025-11-11): docs uploaded | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 80718 |  |  |  | 35068142 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report Document is missing in the file |  |  |  | Reviewer Comment (2025-11-12): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-10): See docs provided | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 80718 |  |  |  | 35068144 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted].. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  |  |  | 11/05/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 21560 |  |  |  | 35068165 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 85980 |  |  |  | 35068169 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 85980 |  |  |  | 35068170 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 10290 |  |  |  | 35068173 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] month rental history for [Redacted]'s current primary. If private landlord, provide lease and cancelled checks, bank statements, etc. |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): docs uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 72248 |  |  |  | 35068178 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least four business days prior to closing. |  |  |  | Reviewer Comment (2025-11-14): [Redacted]Received disclosure summary shoWing LE received by [Redacted]on [Redacted][Redacted].<br>Buyer Comment (2025-11-13): See docs provided | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 49684 |  |  |  | 35068181 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] [Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): [Redacted]received valid [Redacted]dated [Redacted]<br>Buyer Comment (2025-11-12): See attached [Redacted]LEs disclosed with [Redacted]forms and disclosure tracking for relevant discount point fee changes. | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 49684 |  |  |  | 35068182 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing housing history for subject. |  |  |  | Reviewer Comment (2025-11-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-18): docs uploaded | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 29626 |  |  |  | 35068184 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: [Redacted] not provided with list of service providers. | The file was missing a copy of the Settlement Services Provided List |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received [Redacted]. | 11/18/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 29626 |  |  |  | 35068185 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received [Redacted]and the fees are within tolerance limit.<br>Buyer Comment (2025-11-17): SETTLEMENT SERVICE PROVIDER LIST<br>Reviewer Comment (2025-11-14): [Redacted]received [Redacted]. The file does not contain a Settlement Service Providers List. The [Redacted]is necessary to determine the tolerance and whether the [Redacted]shopped for services. Please provide [Redacted]to re-evaluate the exception.<br>Buyer Comment (2025-11-13): [Redacted]/LE | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 29626 |  |  |  | 35068186 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Underwriting Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-11-18): 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 (2025-11-14): Processing and underwriting fees updated on CIC | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 29626 |  |  |  | 35068187 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Processing Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-11-14): [Redacted]received [Redacted]dated [Redacted], but it does not give sufficient information on why the processing fee was updated. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid [Redacted]or cure is required. Cure documents consist of [Redacted], LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-13): [Redacted]/LE | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 29626 |  |  |  | 35068188 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-18): Sufficient Cure Provided At Closing |  | 11/18/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 29626 |  |  |  | 35068189 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-18): Sufficient Cure Provided At Closing |  | 11/18/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 98331 |  |  |  | 35068192 |  | Compliance | Compliance | State Compliance | State Defect | ([Redacted]50(a)(6)) [Redacted] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [Redacted]Constitution Section [Redacted]: [Redacted] did not receive written "Acknowledgment of the[Redacted] Value" of homestead property securing loan. | [Redacted] did not receive written "Acknowledgment of the[Redacted] Value" of homestead property securing loan. |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): [Redacted] | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 98331 |  |  |  | 35068193 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. | [Redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 34092 |  |  |  | 35068197 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | The file was missing a copy of the [Redacted] consent Agreement. |  |  |  | Reviewer Comment (2025-11-18): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-11-14): see attached econsent | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 28066 |  |  |  | 35068201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-11-17): Higher Priced QM (APOR)<br>Buyer Comment (2025-11-15): accept as is<br>Buyer Comment (2025-11-13): [Redacted] | 11/17/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 30634 |  |  |  | 35068206 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): 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 (2025-11-17): Please review<br>Buyer Comment (2025-11-14): The CDA cure was noted inSection [Redacted] of the CD. The survey fee was disclosed at [Redacted] on all LE's and CD's.<br>Buyer Comment (2025-11-14): included the initial CD and the final CD. The CDA and Survey were over disclosed on the initial so there is a concern why there is a cure for each. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 30634 |  |  |  | 35068207 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): Disclosed as shoppable on LE. Attestation received confirming title-survey fee on LE same as survey fee (with no title prefix on CD)<br>Buyer Comment (2025-11-18): Lender attestation<br>Reviewer Comment (2025-11-18): [Redacted]received rebuttal, however on LE fee was disclosed as title - survey fee and on CD fee was only disclosed as survey fee. We are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee, then a cure is due to the [Redacted]. If the [Redacted]-chosen service provider further out[Redacted] ]d the Survey Fee, an attestation from the [Redacted] is needed. The attestation/letter should confirm that the service was out[Redacted] ]d by the [Redacted]-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the [Redacted]indirectly selected.<br>Buyer Comment (2025-11-14): The CDA cure was noted inSection [Redacted] of the CD. The survey fee was disclosed at [Redacted] on all LE's and CD's.<br>Buyer Comment (2025-11-14): included the initial CD and the final CD. The CDA and Survey were over disclosed on the initial so there is a concern why there is a cure for each. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 10450 |  |  |  | 35068213 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-13): See docs provided | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 78909 |  |  |  | 35068220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Appraisal Re-Inspection Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-19): [Redacted]received [Redacted], LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-11-19): [Redacted] label shows its out for delivery- please clear<br>Reviewer Comment (2025-11-14): [Redacted]received [Redacted], LOE and copy of refund check. [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-11-13): [Redacted]/ [Redacted]/LOE/Check/Label |  | 11/19/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 78909 |  |  |  | 35068221 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No [Redacted] Paid Fees Primary Residence [Redacted] Lien | TRID Final Closing Disclosure[Redacted] on a [Redacted] lien purchase transaction did not disclose any [Redacted] paid fees/charges on Page [Redacted] | [Redacted] paid fees not disclosed on final CD |  |  |  | Reviewer Comment (2025-11-14): [Redacted]received [Redacted] CD<br>Buyer Comment (2025-11-13): [Redacted] CD | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 95636 |  |  |  | 35068225 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-11-17): Received and associated 1003 Initial - Lender's. Exception Cleared<br>Buyer Comment (2025-11-13): 1003 | 11/17/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 95636 |  |  |  | 35068227 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-11-13): narrative | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 95636 |  |  |  | 35068228 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | [Redacted] is [Redacted] and has a score of [Redacted]. [Redacted]month housing history is required to qualify and was not provided. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Verification of Rent (VOR). Exception Cleared<br>Buyer Comment (2025-11-13): VOR docs | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 95636 |  |  |  | 35068229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-11-13): narrative uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 95636 |  |  |  | 35068230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Business Narrative. Exception Cleared | 11/17/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 66336 |  |  |  | 35068231 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file was missing copy of the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-17): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-13): sent cda<br>Buyer Comment (2025-11-13): cda | 11/17/2025 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 50904 |  |  |  | 35068244 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure - [Redacted] | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]. |  |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided within [Redacted] Days of Closing |  | 11/11/2025 |  | 1 A |  | [Redacted] | 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) A | Non QM | Non QM | Yes |
|  | 50904 |  |  |  | 35068245 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure - [Redacted] | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted]. |  |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided within [Redacted] Days of Closing |  | 11/11/2025 |  | 1 A |  | [Redacted] | 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) A | Non QM | Non QM | Yes |
|  | 63415 |  |  |  | 35068249 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to omit auto loan that was opened [Redacted] and being paid by business for the last [Redacted] months. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Lender exception in file. |  |  | 11/13/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 63415 |  |  |  | 35068250 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-11-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-14): [Redacted]/LE | 11/18/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 63415 |  |  |  | 35068252 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Title insurance fee not reflected on updated LE dated [Redacted] |  |  |  | Reviewer Comment (2025-11-19): [Redacted]received [Redacted]and the fee is within tolerance limit.<br>Buyer Comment (2025-11-18): Tolerance does not apply to any charges in Section [Redacted]because the title company listed on the Service Provider List was not the one used. Tolerance requirements only apply when the [Redacted]selects the title company provided on the Service Provider List. Since a different title company was chosen, we have no control over how that company labels its fees or what amounts they charge, and therefore no tolerance cure is triggered. | 11/19/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 81879 |  |  |  | 35068254 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay ([Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted] based on deal settings. | Loan has been reviewed to Higher Priced QM (APOR) per Bid Tape information provided. |  |  |  | Reviewer Comment (2025-11-17): Client accepts as is.<br>Buyer Comment (2025-11-13): Please accept as is. |  |  | 11/17/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A | Higher Priced QM (APOR) | N/A | No |
|  | 84607 |  |  |  | 35068263 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV for [Redacted] with less than [Redacted] months housing history is [Redacted], lender exception in file. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Lender exceptions in file. |  |  | 11/13/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 84607 |  |  |  | 35068264 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV for [Redacted] with less than [Redacted] months housing history is [Redacted], lender exception in file. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Lender exceptions in file. |  |  | 11/13/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 53717 |  |  |  | 35068269 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | Copy of [Redacted] Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-19): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-11-17): econsent | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 25550 |  |  |  | 35068274 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of Mortgage Statement for REO property. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Statement. Exception cleared<br>Buyer Comment (2025-11-14): Owned by LLC- VOM in file<br>Buyer Comment (2025-11-14): [Redacted] they are owned by an LLC and payment obligations are not personally obligated so while we need to account for the P&I in the calculation of rental income since it is filed on his personal Sch [Redacted] , we do not need to worry about a history on them. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 12435 |  |  |  | 35068280 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-11-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-17): see attached title policy | 11/19/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 70252 |  |  |  | 35068282 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Note reflects the city as [Redacted]; however, the Flood Certificate reflects [Redacted]. |  |  |  | Reviewer Comment (2025-11-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-08): per client it is one in the same- USPS proof uploaded | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 70252 |  |  |  | 35068283 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The Note reflects the city as [Redacted]; however, the Appraisal report reflects [Redacted]. |  |  |  | Reviewer Comment (2025-11-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-12): per client it is one in the same- USPS proof uploaded | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 58624 |  |  |  | 35068285 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Correct final 1003 to reflect [Redacted] owned prior to current primary, 1003 states [Redacted] rented. |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): 1003 | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 95952 |  |  |  | 35068288 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-11-18): Received and associated Business Purpose Certificate. Exception cleared<br>Buyer Comment (2025-11-14): see attached business purpose cert and disclosure tracking | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 95952 |  |  |  | 35068289 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The operating agreement in file is not signed. Provide evidence of [Redacted]'s percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Signed Operating agreement and [Redacted]'s [Redacted]of business ownership. Exception Cleared<br>Buyer Comment (2025-11-14): should this have cleared with [Redacted]based on the op agreement? | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 95952 |  |  |  | 35068290 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | The operating agreement in file is not signed. Provide evidence of [Redacted]'s percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Signed Operating agreement and [Redacted]'s [Redacted]of business ownership. Exception Cleared<br>Buyer Comment (2025-11-14): op agreement uploaded to [Redacted] | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 95952 |  |  |  | 35068291 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | The operating agreement in file is not signed. Provide evidence of [Redacted]'s percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Signed Operating agreement and [Redacted]'s [Redacted]of business ownership. Exception Cleared<br>Buyer Comment (2025-11-14): should this have cleared with [Redacted]based on the op agreement?<br>Buyer Comment (2025-11-14): should this have cleared with [Redacted]based on the attached? | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 95952 |  |  |  | 35068292 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | The operating agreement in file is not signed. Provide evidence of [Redacted]'s percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-11-14): Received and associated Signed Operating agreement and [Redacted]'s [Redacted]of business ownership. Exception Cleared<br>Buyer Comment (2025-11-12): see attached operating agreement should clear related exceptions | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 22784 |  |  |  | 35068302 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative. |  |  |  | Reviewer Comment (2025-11-19): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-11-17): docs uploaded | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 68159 |  |  |  | 35068305 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether the loan will have an escrow account. Reason [Redacted] does not have an escrow account was not indicated on page[Redacted] of Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received corrected [Redacted] and LOE<br>Buyer Comment (2025-11-14): See docs provided<br>Reviewer Comment (2025-11-11): [Redacted]received [Redacted] but Closing Disclosure did not designate a reason on Page[Redacted]" Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2025-11-10): see attached [Redacted] |  | 11/18/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 52135 |  |  |  | 35068309 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient [Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-06): Received and associated Replacement Cost Estimator. Exception Cleared<br>Buyer Comment (2025-11-04): \*<br>Buyer Comment (2025-11-04): loe<br>Buyer Comment (2025-11-04): please see loe from hoi company & full policy | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 52135 |  |  |  | 35068313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure or a valid change of circumstance was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-11-19): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-19): [Redacted]<br>Buyer Comment (2025-11-19): LOE change<br>Buyer Comment (2025-11-19): tracking<br>Buyer Comment (2025-11-19): check<br>Reviewer Comment (2025-11-10): [Redacted]received [Redacted]dated [Redacted] for increase in lenders title insurance fee due to increase in loan amount but Title - Endorsement Fee of $[Redacted], Title - Recording Service Fee of $[Redacted]and Title - Examination Fee of $[Redacted] was added on CD dated [Redacted]for which no valid [Redacted]was provide in file. Please provide information as to what changed circumstance occurred (as defined under [Redacted] that resulted in an increase in closing costs.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-07): docs uploaded |  | 11/19/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 52135 |  |  |  | 35068314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure or a valid change of circumstance was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): 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 (2025-11-12): CD shows $[Redacted]cure | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 19906 |  |  |  | 35068317 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence that all collections accounts, if totaling more than $[Redacted] in aggregate, were paid prior to or at closing. |  |  |  | Reviewer Comment (2025-11-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-05): \*<br>Buyer Comment (2025-11-05): credit showing open collections are medical<br>Buyer Comment (2025-11-05): Aus showing medical collection not included | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 19906 |  |  |  | 35068318 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | [Redacted] owns [Redacted] financed properties, aus reflects [Redacted] financed property. |  |  |  | Reviewer Comment (2025-11-20): Received and Updated AUS owns [Redacted] financed properties. Exception Cleared<br>Buyer Comment (2025-11-18): aus | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 40154 |  |  |  | 35068323 |  | 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[Redacted] within [Redacted] business days of application. | Initial Loan Estimate dated [Redacted] was not delivered or placed in the mail to[Redacted] within [Redacted] business days of initial application date of [Redacted] |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received LE dated [Redacted]<br>Buyer Comment (2025-11-05): docs uploaded | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 40154 |  |  |  | 35068325 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation reflecting [Redacted]'s percentage ownership of business. |  |  |  | Reviewer Comment (2025-11-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-12): Please see docs provided | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 77117 |  |  |  | 35068327 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted][Redacted] is less than the note amount of $[Redacted][Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-10-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-21): Title | 10/23/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 77117 |  |  |  | 35068328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] month primary housing history not provided. Unable to determine history of previous mortgage recorded[Redacted] |  |  |  | Reviewer Comment (2025-11-06): Received and associated updated Credit Report Supplemental. Exception Cleared<br>Buyer Comment (2025-11-04): Docs uploaded<br>Reviewer Comment (2025-10-22): Based on the final 1003, the prior housing history for the property at "[Redacted]" is not reflected on the credit supplemental report. However, the fraud report indicates a loan amount of $[Redacted]with [Redacted], dated [Redacted]. The history of the previous mortgage could not be verified. Exception remains<br>Buyer Comment (2025-10-20): Prior housing history for[Redacted] was provided in order to meet a full [Redacted] months housing history for [Redacted]as it appears mortgages on prior [Redacted]residence is not reporting on credit report<br>Buyer Comment (2025-10-20): LOE | 11/06/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 98754 |  |  |  | 35068330 |  | 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. |  |  |  | Reviewer Comment (2025-11-11): Received and associated Borrowing certificate per guidelines document is acceptable. Exception Cleared.<br>Buyer Comment (2025-11-07): [Redacted]certificate uploaded to [Redacted]. Operating agreement not required in state of [Redacted]. | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 98754 |  |  |  | 35068331 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The most recent hazard insurance in file reflects [Redacted] as [Redacted] Mortgagee and our Lender [Redacted] [Redacted] as [Redacted] Mortgagee. [Redacted] is being paid off thru closing and [Redacted][Redacted] should show as [Redacted] Mortgagee. |  |  |  | Reviewer Comment (2025-11-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-12): Correct Hazard Insurance | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 98754 |  |  |  | 35068332 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Borrowing Certificate not located in file, File is missing the Operating Agreement as well to determine that Guarantor has the authority to sign on behalf of the Borrowing Entity. |  |  |  | Reviewer Comment (2025-11-21): Docs provided.<br>Buyer Comment (2025-11-18): IRS official document stating [Redacted]is the sole member of [Redacted].<br>Reviewer Comment (2025-11-18): Received business entity documents. Please provide 'Borrowing Resolution/Corporate Resolution' granting authority of signer to enter loan obligation for [Redacted]. Exception remains<br>Buyer Comment (2025-11-14): docs uploaded- resolution on pg[Redacted]<br>Reviewer Comment (2025-11-11): Please provide Corporate Resolution for [Redacted] Exception Remains.<br>Buyer Comment (2025-11-07): [Redacted]certificate. Operating agreement not required in state of [Redacted]. | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 66111 |  |  |  | 35068342 |  | Credit | 1003 | Document Error | 1003 | [Redacted](s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Permanent resident [Redacted] card in file is expired. |  |  |  | Reviewer Comment (2025-10-07): Documentation provided; exception cleared.<br>Reviewer Comment (2025-10-06): Received application to replace permanent resident card document, however there is no expiry date. Please provide unexpired Resident [Redacted]Card. Exception Remains.<br>Buyer Comment (2025-10-02): See docs provided | 10/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64081 |  |  |  | 35068347 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan was approved with the bank statement program, which requires a [Redacted] - party verification from a [Redacted]/Tax Preparer, Regulatory or State Agency, or Licensing Bureau, that verifies [Redacted]'s percentage of business ownership, which was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Documentation provided; exception cleared. | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64081 |  |  |  | 35068348 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan was approved with the bank statement program, which requires a [Redacted] - party verification from a [Redacted]/Tax Preparer, Regulatory or State Agency, or Licensing Bureau, that verifies [Redacted]'s percentage of business ownership, which was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Documentation provided; exception cleared. | 11/06/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64081 |  |  |  | 35068349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the [Redacted]'s ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan was approved with the bank statement program, which requires a [Redacted] - party verification from a [Redacted]/Tax Preparer, Regulatory or State Agency, or Licensing Bureau, that verifies [Redacted]'s percentage of business ownership, which was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Documentation provided; exception cleared. | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64081 |  |  |  | 35068350 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan was approved with the bank statement program, which requires a [Redacted] - party verification from a [Redacted]/Tax Preparer, Regulatory or State Agency, or Licensing Bureau, that verifies [Redacted]'s percentage of business ownership, which was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-04): lender docs<br>Reviewer Comment (2025-10-30): [Redacted] for '[Redacted]-party ' have been received, [Redacted]-party verification confirming the [Redacted]'s ownership [Redacted]in the business is still required. Acceptable [Redacted] ]s include a CPA or tax preparer, a regulatory or[Redacted]-party , or a licensing [Redacted]-party . As this documentation was not provided in the submitted file. Exception remains<br>Buyer Comment (2025-10-28): business search<br>Reviewer Comment (2025-10-13): As per Guidelines [Redacted]-party verification from a CPA/Tax Preparer, Regulatory or[Redacted]-party , or Licensing [Redacted]-party required. Exception remains<br>Buyer Comment (2025-10-09): docs uploaded | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64081 |  |  |  | 35068351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan was approved with the bank statement program, which requires a [Redacted] - party verification from a [Redacted]/Tax Preparer, Regulatory or State Agency, or Licensing Bureau, that verifies [Redacted]'s percentage of business ownership, which was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Documentation provided; exception cleared. | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64081 |  |  |  | 35068352 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The high alerts were not cleared. |  |  |  | Reviewer Comment (2025-10-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-10-09): fraud report | 10/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 19636 |  |  |  | 35068353 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Note is not executed. |  |  |  | Reviewer Comment (2025-11-13): Documentation provided; exception cleared.<br>Reviewer Comment (2025-11-12): Please provide the executed note reflecting the subject lien for the loan amount of $[Redacted]-party . Exception remains<br>Buyer Comment (2025-11-10): see attached Note, allonge, prepayment addendum, mortgage, riders | 11/13/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 19636 |  |  |  | 35068354 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Security Instrument is not executed. |  |  |  | Reviewer Comment (2025-11-13): Documentation provided; exception cleared.<br>Reviewer Comment (2025-11-12): Please provide the executed 'Security Instrument' reflecting the subject lien for the loan amount of $[Redacted]-party . Exception remains<br>Buyer Comment (2025-11-10): see attached Note, allonge, prepayment addendum, mortgage, riders | 11/13/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 19636 |  |  |  | 35068355 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final executed HUD/Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-09): Settlement statement provided.<br>Buyer Comment (2025-10-07): settlement statement | 10/09/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 60935 |  |  |  | 35130122 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing signed [Redacted] years [Redacted] income tax from [Redacted] per item [Redacted] on the DU. [Redacted] is an interested party to the transaction. |  |  |  | Reviewer Comment (2025-12-24): Docs provided.<br>Seller Comment (2025-12-21): Attached the [Redacted] Signed Tax Returns to complete [Redacted]years. Please Clear. | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 37157 |  |  |  | 35111737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation due to QM fees and points failure |  |  |  | Reviewer Comment (2025-12-08): Client restated to Non-QM<br>Seller Comment (2025-12-04): [Redacted]- Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 12/08/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 37157 |  |  |  | 35111738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). | Missing verification of un-discounted par rate and price to exclude any points |  |  |  | Reviewer Comment (2025-12-08): Client restated to Non-QM<br>Seller Comment (2025-12-04): [Redacted]- This is a Non-QM loan product with valid QM [Redacted]fail. Loan to be restated as Non-QM. Par Rate Information located in [Redacted]- Page [Redacted]. Undiscounted Rate - closest to par over [Redacted] Fails QM Points and fees - exceeds [Redacted]threshold - eligible to exclude up to [Redacted] [Redacted] discount points - $[Redacted]- over -$[Redacted]. Document was in file at time of review. FYI - I have advised previously - the Par Rate Information doc is always located in the same place in [Redacted]- named NMLS Consumer Access Report. | 12/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 37157 |  |  |  | 35128974 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] funds came from [Redacted] deposit/settlement deposited [Redacted]into [Redacted] [Redacted] acct [Redacted][Redacted] $[Redacted] transfered to [Redacted]. Asset utilization guides state "all assets must be seasoned at least [Redacted] months prior to Note date". Note date is [Redacted] deposit date [Redacted]. Not [Redacted] months. Lender exception not located in the file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | DTI = [Redacted]% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-15): The client elects to waive with comp factors.<br>Seller Comment (2025-12-12): Attached the Approved Exception for this. |  |  | 12/15/2025 | 2 C B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 37157 |  |  |  | 35174561 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-15): The client accepts as is |  |  | 12/15/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 79744 |  |  |  | 35120875 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation due to QM fees and points failure |  |  |  | Reviewer Comment (2025-12-08): Client restated to Non-QM<br>Seller Comment (2025-12-04): [Redacted]- Loan designation submitted incorrectly as [Redacted] - please restate to Non-QM. | 12/08/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 79744 |  |  |  | 35120876 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Missing verification of un-discounted par rate and price to exclude any points |  |  |  | Reviewer Comment (2025-12-08): Client restated to Non-QM<br>Seller Comment (2025-12-04): [Redacted]- This is a Non-QM loan product with valid QM [Redacted]fail. Loan to be restated as Non-QM. | 12/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 79744 |  |  |  | 35174549 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Please accept as is. |  |  |  | Reviewer Comment (2025-12-29): Client accepts as is.<br>Seller Comment (2025-12-24): [Redacted]- Loan restated as Non-QM. Client accepts as is. |  |  | 12/29/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 11829 |  |  |  | 35133968 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 declarations indicates the [Redacted] has had ownership interest in the last [Redacted]years. However, no documentation supports this. A lender exception provided in file states the [Redacted] is a [Redacted] time homebuyer. Please provide confirmation of which is accurate and updated documentation accordingly. |  |  |  | Reviewer Comment (2025-12-19): Documentation provided; exception cleared<br>Seller Comment (2025-12-17): Attached LOE from the [Redacted], Please Clear. | 12/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 11829 |  |  |  | 35135893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception For [Redacted]on asset utilization is approved with a [Redacted] pricing hit in addition to standard [Redacted]associated with the loan. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. | Exception approval in file with comp factors noted. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-02): Exception approval in file with comp factors cited. |  |  | 12/02/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 29138 |  |  |  | 35119232 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-11-24): Received and associated CDA. Exception cleared.<br>Buyer Comment (2025-11-20): CDA | 11/24/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D B C A |  | N/A | No |
|  | 29138 |  |  |  | 35119233 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Guideline maximum for rural properties is [Redacted]%. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted] months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-19): Lender exception in file.<br>Buyer Comment (2025-11-17): see attached approved exception<br>Buyer Comment (2025-11-17): see attached exception |  |  | 11/19/2025 | 2 C B |  | [Redacted] | Investment | Purchase | D B C A |  | N/A | No |
|  | 46878 |  |  |  | 35119250 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to[Redacted] within [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to [Redacted]'s consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided prior to [Redacted]'s consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-11-14): [Redacted]received disclosure summary for [Redacted] dated [Redacted]<br>Buyer Comment (2025-11-13): See docs provided | 11/14/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 66637 |  |  |  | 35119255 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 66637 |  |  |  | 35119256 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-11-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-12): see attached initial rate lock and updated rate lock | 11/14/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 93982 |  |  |  | 35119258 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Copy of VOR is not available in file for current resident rental history. |  |  |  | Reviewer Comment (2025-11-17): Received and associated updated Credit Report with Rent amount. Exception Cleared<br>Buyer Comment (2025-11-13): VOR, added to credit report.<br>Buyer Comment (2025-11-13): docs uploaded | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 93982 |  |  |  | 35119262 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing wire or donor check for gift funds. |  |  |  | Reviewer Comment (2025-11-17): Received and associated Wire Confirmation for Gift Funds$[Redacted]. Exception Cleared<br>Buyer Comment (2025-11-13): Gift wire | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 88906 |  |  |  | 35119268 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] tolerance was exceeded by $[Redacted] due to increase of fee. No valid [Redacted]provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-24): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-11-24): check receipt<br>Reviewer Comment (2025-11-19): [Redacted]received [Redacted], but the proof of mailing provided does not provide any tracking details to verify the delivery. Please provide tracking details or confirmation of receipt of check to [Redacted].<br>Buyer Comment (2025-11-18): Sent regular mail<br>Buyer Comment (2025-11-18): [Redacted]<br>Reviewer Comment (2025-11-18): [Redacted]received LOE and copy of refund check. Missing proof of mailing and updated [Redacted] with cure amount. Please provide [Redacted] and proof of mailing to cure the exception.<br>Buyer Comment (2025-11-17): cure docs |  | 11/24/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 88906 |  |  |  | 35119270 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Final LE is required to be received by [Redacted] at least [Redacted] day prior to Initial CD. Based on documentation in file, Final LE was received by [Redacted] on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-11-13): [Redacted]received initial CD.<br>Buyer Comment (2025-11-13): Initial CD | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 91217 |  |  |  | 35119276 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-11-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-19): see attached title | 11/21/2025 |  |  | 1 B A |  | [Redacted] | Investment | Purchase | B A | N/A | N/A | No |
|  | 22654 |  |  |  | 35119280 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to[Redacted] within [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to [Redacted]'s consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-11-24): [Redacted]received certificate of compliance document with electronic record and signature disclosure accepted by [Redacted]on [Redacted] and supporting disclosure summary in the loan file for the initial disclosure sent via by mail.<br>Buyer Comment (2025-11-21): [Redacted]. | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 22654 |  |  |  | 35119281 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification is missing |  |  |  | Reviewer Comment (2025-11-25): Received and associated CPA Verification. Exception cleared.<br>Buyer Comment (2025-11-21): Enrolled Agent verification. | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 22654 |  |  |  | 35119283 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Current hazard policy that ends [Redacted] does not list the Lender as Mortgagee. Reflects [Redacted] as Mortgagee. |  |  |  | Reviewer Comment (2025-11-21): Updated policy provided, exception cleared.<br>Buyer Comment (2025-11-19): Correct mortgagee | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 22654 |  |  |  | 35119284 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing validity of [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): Received and associated CPA Verification. Exception cleared.<br>Buyer Comment (2025-11-21): Enrolled Agent verification uploaded to [Redacted]. | 11/25/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 22654 |  |  |  | 35119285 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing validity of [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): Received and associated CPA Verification. Exception cleared.<br>Buyer Comment (2025-11-21): Enrolled Agent verification uploaded to [Redacted]. | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 29496 |  |  |  | 35147130 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. [Redacted]Valuation supports value. Sec [Redacted] | Note Date: ___; Lien Position: ___ |  | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]<br>The qualifying DTI on the loan is less than or equal to [Redacted]<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-12): The client accepts as is.<br>Seller Comment (2025-12-11): The [Redacted] is on page [Redacted] , Please accept as is. |  |  | 12/12/2025 | 2 B |  | [Redacted] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 60427 |  |  |  | 35133754 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Blanket property policy in file, reflects policy # [Redacted]. Please provide an updated Dec page of the Blanket policy to include the policy number |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Seller Comment (2025-12-19): Attached is the updated Declaration (Dec) page for the HOA's [Redacted]. Please Clear. | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 82419 |  |  |  | 35128543 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-01): Sufficient Cure Provided At Closing |  | 12/01/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 70601 |  |  |  | 35126014 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted] or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-01): Sufficient Cure Provided At Closing |  | 12/01/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 70601 |  |  |  | 35152921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation due to QM fees and points failure |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM<br>Seller Comment (2025-12-12): Agree with the fail. Please restate as NQM. | 12/15/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 70601 |  |  |  | 35152922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage ([Redacted]): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted][Redacted] or [Redacted]%). | Missing verification of un-discounted par rate and price to exclude any points |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM<br>Seller Comment (2025-12-12): Agree with the fail. Please restate as NQM. | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 70601 |  |  |  | 35236063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The client restated the loan designation to Non-QM |  |  |  | Reviewer Comment (2025-12-15): The client accepts as is |  |  | 12/15/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 69855 |  |  |  | 35164895 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-12-16): A [Redacted] with a CU score of [Redacted]was provided for [Redacted]valuation.<br>Seller Comment (2025-12-16): See attached [Redacted] with a [Redacted]score. [Redacted]valuation is not required. Please clear. | 12/16/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Non QM | No |
|  | 69855 |  |  |  | 35164898 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted][Redacted] is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted][Redacted]). | Points and Fees on subject loan of[Redacted] [Redacted] is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM. | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Non QM | No |
|  | 69855 |  |  |  | 35164899 |  | 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 | [Redacted]: Subject loan transaction disbursed on[Redacted] , prior to [Redacted] business days from transaction date of[Redacted] | Subject loan transaction disbursed on[Redacted] prior to [Redacted] business days from transaction date of [Redacted] Closing Disclosure issued on[Redacted] was not signed. Estimated Mailbox Rule Received receipt date is [Redacted] |  |  |  | Reviewer Comment (2025-12-23): A Lender's Attestation was provided regarding the duplicate CDs<br>Seller Comment (2025-12-23): Attestation w/r/t duplicate CD<br>Reviewer Comment (2025-12-15): Please provide evidence that the [Redacted]received the Final CD on [Redacted]/[Redacted], otherwise, the[Redacted]day mailing rule applies.<br>Seller Comment (2025-12-12): Closing date was [Redacted]. All closing documents, including the final CD and right to cancel with a midnight date of [Redacted], were signed and notarized on [Redacted]. Loan disbursed on [Redacted] after expiration of [Redacted] business day rescission period. Invalid finding. Please cancel. | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 69855 |  |  |  | 35164900 |  | 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 | [Redacted]: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date. Closing Disclosure issued on[Redacted] was not signed. Estimated Mailbox Rule Received receipt date is [Redacted] |  |  |  | Reviewer Comment (2025-12-23): A Lender's Attestation was provided regarding the duplicate CDs<br>Reviewer Comment (2025-12-15): Please provide evidence that the [Redacted]received the Final CD on [Redacted]/[Redacted], otherwise, the[Redacted]day mailing rule applies.<br>Seller Comment (2025-12-12): Closing date was [Redacted]. All closing documents, including the final CD and right to cancel with a midnight date of [Redacted], were signed and notarized on [Redacted]. Loan disbursed on [Redacted] after expiration of [Redacted] business day rescission period. Invalid finding. Please cancel. | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 69855 |  |  |  | 35164901 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation discrepancy due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM. | 12/15/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 69855 |  |  |  | 35238547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The client restated the loan designation to Non-QM. |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM and accepts this as is. |  |  | 12/15/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Non QM | No |
|  | 69487 |  |  |  | 35164911 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation fail due to the Points and Fee exception |  |  |  | Reviewer Comment (2025-12-12): The loan was restated as Non-QM by the client.<br>Seller Comment (2025-12-11): Loan Designation was submitted incorrectly as [Redacted]-please restate to Non-QM | 12/12/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 69487 |  |  |  | 35164912 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-12-12): The loan was restated as Non-QM by the client.<br>Seller Comment (2025-12-11): Loan Designation was submitted incorrectly as [Redacted]-please restate to Non-QM | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 69487 |  |  |  | 35169168 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for new account opened [Redacted] with statements and consistent income documented thru [Redacted]approved with a [Redacted]pricing hit in addition to standard [Redacted]associated with the loan | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]kresidual income.<br>[Redacted]months reserves<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-05): Lender exception in file. |  |  | 12/05/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 69487 |  |  |  | 35221421 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The loan was restated as Non-QM by the client. |  |  |  | Reviewer Comment (2025-12-12): The client accept as is. |  |  | 12/12/2025 | 2 A B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 68807 |  |  |  | 35135713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received a valid [Redacted].<br>Buyer Comment (2025-11-17): see attached [Redacted]with explanation of fee increase | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | 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 |
|  | 68807 |  |  |  | 35135714 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-21): Received and associated fraud report. Exception cleared.<br>Buyer Comment (2025-11-19): Full Fraud Report<br>Reviewer Comment (2025-11-19): Please Provide Full Fraud Report with all pages. Exception remains<br>Buyer Comment (2025-11-17): see attached fraud report with alerts cleared | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 68807 |  |  |  | 35135716 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of the existence of each [Redacted] Business Within [Redacted] Days Prior to the Note Date. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] party verification was provided.<br>Buyer Comment (2025-11-24): see attached [Redacted] doc - verifications permitted up to delivery - should also clear remaining open exceptions<br>Reviewer Comment (2025-11-14): [Redacted]-party verification has been received for '[Redacted]'. Please provide [Redacted]-party verification confirming the existence of '[Redacted]' within [Redacted] calendar days prior to the Note Date. Exception Remains<br>Buyer Comment (2025-11-12): Docs sent<br>Buyer Comment (2025-11-12): VOE | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 68807 |  |  |  | 35135717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at QM Risk due to missing income documentation. Missing verification of the existence of each [Redacted] Business Within [Redacted] Days Prior to the Note Date. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] party verification was provided.<br>Buyer Comment (2025-11-24): see exception [Redacted]<br>Reviewer Comment (2025-11-14): Still missing [Redacted] party verification for[Redacted] dated within [Redacted] days prior to the Note date.<br>Buyer Comment (2025-11-12): Uploaded to [Redacted] | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 68807 |  |  |  | 35135718 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM Risk due to missing income documentation. Missing verification of the existence of each [Redacted] Business Within [Redacted] Days Prior to the Note Date. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] party verification was provided.<br>Buyer Comment (2025-11-24): see exception [Redacted]<br>Reviewer Comment (2025-11-14): Still missing [Redacted] party verification for[Redacted] dated within [Redacted] days prior to the Note date.<br>Buyer Comment (2025-11-12): Uploaded to [Redacted] | 11/26/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 51812 |  |  |  | 35135734 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | [Redacted]ly issued ID number such as but not limited to EIN or [Redacted] Tax ID number required per guidelines. |  |  |  | Reviewer Comment (2025-11-24): Documentation provided; exception cleared.<br>Reviewer Comment (2025-11-20): Received the Employer Identification Number (EIN); however, the document is not clearly visible and appears to be unreadable in its current format. Kindly provide an updated and legible version. Exception remains<br>Buyer Comment (2025-11-18): EIN | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 51812 |  |  |  | 35135736 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the[Redacted]. |  |  |  | Reviewer Comment (2025-11-25): Received and associated warranty deed. Exception cleared.<br>Buyer Comment (2025-11-21): deed | 11/25/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 51812 |  |  |  | 35135737 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence of ownership in [Redacted](refinance and currently vested on title). |  |  |  | Reviewer Comment (2025-11-25): Docs provided.<br>Reviewer Comment (2025-11-24): Received warranty deed for '[Redacted](refinance and currently vested on title)' however no other business documents to confirm the [Redacted]of ownership in the business. Please provide the business documents to confirm the evidence of ownership in the business. Exception Remains.<br>Buyer Comment (2025-11-20): [Redacted] | 11/25/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 56372 |  |  |  | 35135740 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide updated lease agreement or addendum that extends current lease. |  |  |  | Reviewer Comment (2025-11-24): Explanation provided.<br>Buyer Comment (2025-11-20): lease payment in file<br>Buyer Comment (2025-11-20): bank statement for subject property [Redacted], shows deposit amount of $[Redacted], they are month to month lease | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 86964 |  |  |  | 35162826 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved to allow vesting in a layered entity. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted]completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-05): The client elects to waive |  |  | 12/05/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 97974 |  |  |  | 35166635 |  | Compliance | Compliance | State Compliance | Misc. State Level | ([Redacted]50(a)(6)) [Redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted]Constitution Section [Redacted]: Acceptable [Redacted] endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted][Redacted] endorsement or the [Redacted] .[Redacted] . (The loan is a [Redacted]Section[Redacted] home equity loan.) | The loan file does not evidence the Title Policy includes the [Redacted][Redacted] endorsement or the [Redacted] .[Redacted] . Final Title Policy was not provided. |  |  |  | Buyer Comment (2026-01-08): [Redacted]- Pending Final TPOL<br>Seller Comment (2026-01-08): [Redacted] requests [Redacted] review: pending final TPOL, moving loan to complete |  |  | 01/08/2026 | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 26181 |  |  |  | 35163372 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for layered entity. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-08): The Client elects to waive |  |  | 12/08/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 37421 |  |  |  | 35167343 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Copy of [Redacted] Verification is not available in file. Also, appears [Redacted] may be an interested party as they have the same last name as the [Redacted]. Please provide documentation the [Redacted] has been the owner of the business for [Redacted]. Documentation provided reflects business has been in existence since[Redacted] |  |  |  | Reviewer Comment (2025-12-22): Client restated to Non-QM | 12/22/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 37421 |  |  |  | 35167344 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). | Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted][Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-12-22): Client restated to Non-QM<br>Seller Comment (2025-12-18): [Redacted] - This is a Non-QM loan product with valid QM [Redacted]fail. Loan to be restated as Non-QM. | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 37421 |  |  |  | 35448231 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated to Non-QM, please accept as is. |  |  |  | Buyer Comment (2026-01-20): Accepted as-is<br>Seller Comment (2026-01-12): [Redacted] requests [Redacted] review: restated, accepted as is |  |  | 01/20/2026 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 86451 |  |  |  | 35169142 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | [Redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The[Redacted] form was used, the [Redacted] form should have been used. |  |  |  |  | Reviewer Comment (2025-12-19): Cure documentation received.<br>Seller Comment (2025-12-17): Please see attached LOX to [Redacted]s, [Redacted] right to cancel and [Redacted] for reopened rescission. |  | 12/19/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 86451 |  |  |  | 35169146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation fail due to the Points and Fee exception |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM<br>Seller Comment (2025-12-12): Loan contains an IO feature. Please restate as NQM. | 12/15/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
|  | 86451 |  |  |  | 35169147 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Deferment of Principal | Qualified Mortgage ([Redacted]): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | Terms of the subject loan provide for deferment of principal as an Interest Only loan. |  |  |  | Reviewer Comment (2025-12-15): The client restated the loan designation to Non-QM | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 86451 |  |  |  | 35236096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The client restated the loan designation to Non-QM |  |  |  | Reviewer Comment (2025-12-15): The client accept as is. |  |  | 12/15/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 58150 |  |  |  | 35166496 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation due to QM fees and points failure |  |  |  | Reviewer Comment (2025-12-22): The undiscounted rate and undiscounted price were provided, exception cleared.<br>Seller Comment (2025-12-18): [Redacted]- [Redacted]to exception [Redacted]- par rate information provided - passes QM [Redacted]points & fees. [Redacted] designation is correct. Please review and clear exception. | 12/22/2025 |  |  | 1 B A C |  | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 58150 |  |  |  | 35166497 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). | Missing verification of un-discounted par rate and price to exclude any points |  |  |  | Reviewer Comment (2025-12-22): The undiscounted rate and undiscounted price were provided, exception cleared.<br>Seller Comment (2025-12-18): [Redacted]- The following Par rate information not provided in file - [Redacted] Passes QM Points and fees - does not exceed [Redacted]threshold - eligible to exclude up to[Redacted] [Redacted] discount point - Discount $[Redacted]excluded. Please review and clear exception. | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 12063 |  |  |  | 35184490 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-02): The client elects to waive. |  |  | 02/02/2026 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 12063 |  |  |  | 35189990 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  |  | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 58600 |  |  |  | 35174890 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-11-11): Received [Redacted]valuation [Redacted] with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-07): [Redacted] | 11/11/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58600 |  |  |  | 35174891 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-11-07): fraud report | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83809 |  |  |  | 35174897 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-11-21): Received and associated [Redacted]. Exception cleared.<br>Buyer Comment (2025-11-19): uploaded [Redacted]<br>Buyer Comment (2025-11-19): [Redacted] | 11/21/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 76085 |  |  |  | 35174902 |  | 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 [Redacted] 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 $[Redacted][Redacted] |  |  |  | Reviewer Comment (2025-12-01): Received and associated Replacement Cost Estimator. Exception Cleared.<br>Buyer Comment (2025-11-27): see attached estimator | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83234 |  |  |  | 35174905 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the supporting [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-01): Received and associated [Redacted] Submission Summary Report document with score #[Redacted]. Exception Cleared.<br>Buyer Comment (2025-11-27): see attached [Redacted] | 12/01/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83234 |  |  |  | 35174907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-01): [Redacted]received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-11-27): see attached TRID lox | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 67749 |  |  |  | 35175092 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing copy of Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-12-03): Received and associated Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-12-03): HOI Co-[Redacted]added<br>Buyer Comment (2025-12-02): HOI | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 94309 |  |  |  | 35184746 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is provided 'to waive transferred lease agreement on a purchase transaction is approved with a [Redacted] pricing hit'. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-10): The Client elects to waive |  |  | 12/10/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 79321 |  |  |  | 35183090 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property has[Redacted] units that are tenant occupied and no lease agreements were provided. Lender exception to waive transferred lease agreements on a purchase transaction. Tenants are long term renters with no formal lease in place. Approval in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | Fico id [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception in file. |  |  | 12/11/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 64537 |  |  |  | 35184117 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-02): Documentation provided; exception cleared. | 01/02/2026 |  |  | 1 A |  | [Redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 64537 |  |  |  | 35184122 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-12-23): Received and associated Certificate of Good Standing. Exception Cleared<br>Seller Comment (2025-12-19): Attached the Certificate of Good Standing | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 64537 |  |  |  | 35184141 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception approval is provided to allow DSCR less than [Redacted] for an interest only loan approved with a [Redacted]pricing hit in addition to standard [Redacted] | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception in file. |  |  | 12/11/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 64537 |  |  |  | 35185657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Blanket mortgage on title, please ensure there is clear title. |  |  |  | Reviewer Comment (2026-01-02): Documentation provided; exception cleared.<br>Seller Comment (2025-12-30): Attached the Final Title, Please Clear. | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 64568 |  |  |  | 35189992 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Calculated Debt Service Coverage Ratio of [Redacted] does not meet Guideline Debt Service Coverage Ratio of [Redacted] . Lender exception mor [Redacted] DSCR score on cash-out refinance. Approval in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception in file. |  |  | 12/11/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 48728 |  |  |  | 35185819 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification not provided. |  |  |  | Reviewer Comment (2025-12-23): Received and associated CPA Verification. Exception Cleared<br>Seller Comment (2025-12-19): CPA letter for [Redacted][Redacted] is included in the file on page [Redacted] Attached the CPA verification documentation from IRS.gov. Please Clear | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 48728 |  |  |  | 35187395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM risk due to missing income documentation. [Redacted] Verification not provided. |  |  |  | Reviewer Comment (2025-12-23): Received and associated CPA Verification. Exception Cleared<br>Seller Comment (2025-12-19): [Redacted] to #[Redacted] | 12/23/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 48728 |  |  |  | 35187396 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at QM risk due to missing income documentation. [Redacted] Verification not provided. |  |  |  | Reviewer Comment (2025-12-23): Received and associated CPA Verification. Exception Cleared<br>Seller Comment (2025-12-19): [Redacted] to #[Redacted] | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 25008 |  |  |  | 35185018 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-12-18): Received and associated [Redacted] with [Redacted] risk score. Exception cleared.<br>Seller Comment (2025-12-17): See attached[Redacted] with a score of [Redacted]. Per [Redacted]Guidelines a second valuation is only required when the [Redacted] score is [Redacted]or greater. Please clear. | 12/18/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 37540 |  |  |  | 35183980 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [Redacted] Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the [Redacted] was charged the actual amounts for all [Redacted] party fees. | [Redacted] : [Redacted] party invoices are required for all fees paid on title inSection [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-12-05): [Redacted]received settlement statement evidencing fees paid.<br>Buyer Comment (2025-12-04): settlement statement<br>Reviewer Comment (2025-11-21): Missing title fee invoices as well.<br>Buyer Comment (2025-11-19): see attached invoices | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 88318 |  |  |  | 35184764 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | [Redacted]valuation is missing for securitization purposes. |  |  |  | Reviewer Comment (2025-11-25): Received and associated Desk Review. Exception cleared.<br>Buyer Comment (2025-11-23): cda<br>Buyer Comment (2025-11-22): see attached | 11/25/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 19610 |  |  |  | 35220494 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Leander Exception Given for [Redacted] has an [Redacted] category [Redacted], pending asylum, which is currently not eligible per guidelines. Card issued[Redacted] and expires [Redacted]. They do have an I-[Redacted]in the file showing stamp for asylum granted indefinitely on [Redacted] | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>[Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | DTI - [Redacted]% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-15): The client elects to waive. |  |  | 12/15/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 99867 |  |  |  | 35229356 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted]not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-10-31): [Redacted]Received disclosure summary showing LE dated [Redacted]received by [Redacted]on[Redacted].<br>Buyer Comment (2025-10-30): Please see attached confirming when the LE was viewed. Website FYI is the [Redacted]viewing the document. | 10/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 94614 |  |  |  | 35229360 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] fee violation due to an increase in the Recording fee. The [Redacted]provided for the increase on the [Redacted] LE did not disclose the increase for the recording fee. Please provide a valid [Redacted]or provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-28): Notice of Intent to Proceed was not signed by the [Redacted]until [Redacted] Exception cleared.<br>Buyer Comment (2025-10-28): The [Redacted] Loan Estimate which disclosed recording fees at $[Redacted]is not binding, as it has a [Redacted]business day expiration window which expired on[Redacted] Tolerance for recording fees cannot be tied to this LE, they should be tied to the Loan Estimate on [Redacted]which is dated the same day the application was provided. | 10/28/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 65892 |  |  |  | 35229365 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on[Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-28): [Redacted] acknowledges the exception, no change to grading. |  |  | 10/28/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 30432 |  |  |  | 35229368 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-30): [Redacted] acknowledges exception, no change in grading |  |  | 10/30/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 50845 |  |  |  | 35229379 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-29): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-10-29): please see attached | 10/29/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 50845 |  |  |  | 35229380 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-29): Final Title policy received with coverage amount. Exception cleared. | 10/29/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 21400 |  |  |  | 35229383 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of the greater of .[Redacted] % of the [Redacted] Total Loan Amount and $[Redacted][Redacted]. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]and $[Redacted][Redacted] (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-30): [Redacted] accepts; no change to grading. |  |  | 10/30/2025 | 2 B |  | [Redacted] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 38888 |  |  |  | 35229398 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-28): [Redacted] acknowledges exception, no change to grading. |  |  | 10/28/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36147 |  |  |  | 35229405 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-28): [Redacted] acknowledges exception, no change in grading |  |  | 10/28/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36147 |  |  |  | 35229409 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Please provide the Final Settlement Statement from the same of the [Redacted]'s departing residence to verify sufficient funds to close plus required reserves. |  |  |  | Reviewer Comment (2025-10-30): Received Closing Statement for the property located at "[Redacted]". Exception cleared.<br>Buyer Comment (2025-10-30): Please see attached<br>Reviewer Comment (2025-10-29): Please provide the Final Settlement Statement. Exception remains.<br>Buyer Comment (2025-10-28): Please see attached | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 40711 |  |  |  | 35229412 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-29): [Redacted]Received disclosure summary showing receipt of LE dated [Redacted].<br>Buyer Comment (2025-10-28): Please see the attached, the screenshot shows Website FYI for the date/time the [Redacted]received & acknowledged receipt of the Loan Estimate, and outstanding is the date/time the LE was disclosed. | 10/29/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 62430 |  |  |  | 35229422 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the mortgage statement or other documentation to verify the [Redacted] mortgage payment for the property on [Redacted]. The mortgage is not on the credit report and the [Redacted]payment was not included with the statements provided. |  |  |  | Reviewer Comment (2025-11-03): Received requested Mortgage Statement. Exception Cleared.<br>Buyer Comment (2025-10-31): Please see attached, document as requested.<br>Reviewer Comment (2025-10-31): Please provide the [Redacted][Redacted] mortgage statement as indicated in the client's rebuttal. There were no documents provided. Exception remains.<br>Buyer Comment (2025-10-30): Please see the [Redacted][Redacted] statement attached dated thru Redacted] confirming [Redacted]s payment had not been made yet. Pg[Redacted] contains the [Redacted] statement showing payment history beginning[Redacted] and confirms the payment was made and the account is current with no past due balance. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 47490 |  |  |  | 35229426 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-11-21): [Redacted] acknowledges exception, no change to grading. |  |  | 11/21/2025 | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 47490 |  |  |  | 35229427 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The most recent checking account statement reflected a balance of $[Redacted]as of [Redacted] versus $[Redacted]as of[Redacted] used by the lender. This results in reserves being short by $[Redacted]. Please provide additional asset documentation for review. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>[Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted]. | LTV/CLTV of [Redacted]%.<br>[Redacted]has been in the same industry for [Redacted]years.<br>[Redacted]has residual income of $[Redacted]. | Originator,Aggregator,SitusAMC<br>Originator,Aggregator,SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2025-11-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-11-26): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted]/[Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted].<br>Reviewer Comment (2025-11-25): Client provided additional bank statements for a total amount of $[Redacted]. The loan is requiring [Redacted]months reserves which totals $[Redacted]. The total amount available of $[Redacted] is still short by $[Redacted]. Exception remains for additional information.<br>Buyer Comment (2025-11-25): Please see the attached updated 1003 and 1008 with increased qualifying assets. Total qualifying assets of $[Redacted].<br>Reviewer Comment (2025-11-25): Reopening at client request.<br>Reviewer Comment (2025-11-24): Client elects to waive with compensating factors. |  |  | 11/26/2025 | 2 C B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 47490 |  |  |  | 35229428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive asset credit exception. Exception cleared. | 11/24/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 47490 |  |  |  | 35229429 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive asset credit exception. Exception cleared. | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 47490 |  |  |  | 35229431 |  | Credit | Guideline | Guideline Issue | Guideline | Bank Statement program requires at least [Redacted] months of business bank statements. |  | The fully executed Business Narrative was missing from the file. |  |  |  | Reviewer Comment (2025-12-02): Client confirms the CPA letter can be used in lieu of the Narrative. All guideline bullet points for the Narrative met with the CPA letter. This is a service business and would not require heavy equipment, etc. to operate. Exception cleared.<br>Buyer Comment (2025-12-02): Please refer to the CPA letter on page[Redacted] DOC ID [Redacted]that satisfies the business narrative document requirement, the letter contains all of the same information. | 12/02/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 26966 |  |  |  | 35229436 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] accepts; no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 48276 |  |  |  | 35229445 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The lease for [Redacted]was missing from the file. Please note, there was a blank lease located which may have been for [Redacted]. Please provide the complete lease for review for [Redacted]. |  |  |  | Reviewer Comment (2025-10-31): Received lease agreement for "[Redacted]". Exception cleared.<br>Buyer Comment (2025-10-31): Please see attached, rental agreement for [Redacted] as requested. | 10/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 37557 |  |  |  | 35229454 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-28): [Redacted] acknowledges the exception, no change to grading. |  |  | 10/28/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 51566 |  |  |  | 35229456 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-11-05): [Redacted] acknowledges exception, no change to grading. |  |  | 11/05/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 79888 |  |  |  | 35229466 |  | Credit | Guideline | Guideline Issue | Guideline | Bank Statement program requires at least [Redacted] months of business bank statements. |  | The file was missing the fully executed Business Narrative. Also, one additional month bank statement for the business account is required per guidelines ([Redacted] Personal Bank Statements/Doc Requirements). Only [Redacted] in the file. |  |  |  | Reviewer Comment (2025-12-02): Business Narrative and [Redacted] month of the business account statement provided. Note - typo on the date on the Narrative. [Redacted] confirmed as [Redacted] vs [Redacted]. Exception cleared.<br>Buyer Comment (2025-12-02): See also [Redacted]statement.<br>Buyer Comment (2025-12-02): Please see the attached completed business narrative form. | 12/02/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20329 |  |  |  | 35229469 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-28): [Redacted] acknowledges exception, no change to grading. |  |  | 10/28/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 21759 |  |  |  | 35229474 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the [Redacted]. | Lender credit was last disclosed as $[Redacted]on the revised Closing Disclosure dated but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-11-06): Please see attached [Redacted] curing the issue.<br>Reviewer Comment (2025-10-31): [Redacted]received [Redacted]dated [Redacted], however lender credit again decreased on CD dated[Redacted]/[Redacted]. Please provide valid [Redacted]for CD dated[Redacted] with sufficient information on why the credit decreased or cure is required. Cure documents consist of [Redacted], LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-30): Pg [Redacted] of the loan file which is the CIC form confirming that the produc t changed from a [Redacted]year to [Redacted]year loan. this changes the terms and as a result the lender credit. Please review to cancel this exception |  | 11/10/2025 |  | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 41064 |  |  |  | 35229479 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-11-06): [Redacted] acknowledges exception, no change to grading. |  |  | 11/06/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 41064 |  |  |  | 35229480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-11-06): [Redacted] acknowledges exception, no change to grading. |  |  | 11/06/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | Yes |
|  | 26485 |  |  |  | 35229485 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-11-06): [Redacted] accepts; no change to grading. |  |  | 11/06/2025 | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 25793 |  |  |  | 35229492 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file was missing the Final Closing Statement for the sale of REO to verify the total net equity received and all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-11-07): HUD document received. Exception cleared.<br>Buyer Comment (2025-11-07): Please see the attached final settlement statement for the sale of the non-subject property. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 43975 |  |  |  | 35229512 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the bank statement to verify the earnest money deposit of $[Redacted][Redacted] dated . The balance in that account was only $[Redacted]as of the[Redacted]bank statement. |  |  |  | Reviewer Comment (2025-10-31): Per guideline snip received and rebuttal from client, EMD does not need to be [Redacted] ]d if written out of an acct not being used to qualify with. Exception cleared.<br>Buyer Comment (2025-10-30): The check from [Redacted] shows the EMD was paid from a [Redacted] account that was not used to qualify. Please see the screen shot attached confirming that when the EMD is paid from an account not used to qualify, the EMD does not need to be backed out from available assets and it does not need to be [Redacted] ]d. | 10/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 82912 |  |  |  | 35229516 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-29): [Redacted] acknowledges exception, no change to grading. |  |  | 10/29/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 11725 |  |  |  | 35229520 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] fee violation due to an adding the Title - Document Preparation fee to the final Closing Disclosure. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-11-06): Please see attached redisclosure package curing the issue. |  | 11/10/2025 |  | 2 C B |  | [Redacted] | 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 |
|  | 11725 |  |  |  | 35229521 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file only contained the [Redacted]Schedule [Redacted] for the [Redacted]'s partnership (less than [Redacted]) loss of income for[Redacted], and it does not disclose that it was a final [Redacted]. Please provide the most recent Schedule [Redacted], [Redacted]and/or [Redacted]to confirm the [Redacted]'s income or loss for this business. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] [Redacted] provided and aligns with Schedule[Redacted] income which was not considered. Exception cleared.<br>Buyer Comment (2025-11-04): Please see attached [Redacted] [Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 28026 |  |  |  | 35229523 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-30): [Redacted] accepts; no change to grading. |  |  | 10/30/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 47221 |  |  |  | 35229529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [Redacted] party verification of employment for business [Redacted] is a consultant for was not time stamped. Please provide evidence of when the lender obtained the verification for review. |  |  |  | Reviewer Comment (2025-11-03): Client provided screenshot from LOS system to confirm [Redacted] party document was provided to confirm receipt within [Redacted] days of note date.<br>Buyer Comment (2025-10-29): Please see screen shot from our internal [Redacted] system attached <br> confirming the SE verification was uploaded [Redacted]. It would not have <br> been completed prior to application on [Redacted]and should be sufficient to <br> verify it was completed within [Redacted] days of closing | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 50651 |  |  |  | 35229534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-30): [Redacted] acknowledges exception, no change to grading. |  |  | 10/30/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 97592 |  |  |  | 35229542 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-10-29): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-10-28): Please see attached confirming when the LE was viewed. Website FYI is the [Redacted]viewing the document. | 10/29/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 23288 |  |  |  | 35229544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-30): [Redacted]received disclosure summary suffice.<br>Buyer Comment (2025-10-28): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the [Redacted]on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 10/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 80501 |  |  |  | 35229549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the [Redacted]. | Lender credit was last disclosed as -$[Redacted] on the Loan Estimate, but was disclosed as -$[Redacted] on the Final Closing Disclosure. No valid [Redacted]was provided for this the reduction on the preliminary CD [Redacted]. Provide provide a valid [Redacted]or provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-05): [Redacted]received Corrected [Redacted], Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-11-04): please see attached<br>Buyer Comment (2025-11-04): Please see the cure redisclosure package attached. Thanks |  | 11/05/2025 |  | 2 C B |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 45790 |  |  |  | 35229562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] fee violation due to an increase in the Title - Recording Service fee. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-11-05): Please see attached, [Redacted], LOE, and tracking information<br>Reviewer Comment (2025-11-03): [Redacted]Title - Recording processing fee were disclosed in Section [Redacted] which is tested at [Redacted]% tolerance. Provider listed on [Redacted]is [Redacted] . Title - Recording processing fee on CD were paid to [Redacted][Redacted] title insurance. Appears [Redacted]shopped for title fees. Corrected CD moving the title recording processing fee to Section [Redacted]and LOE to [Redacted]required to cure.<br>Buyer Comment (2025-10-31): Clarification needed. Final CD shows recording fee of $[Redacted], not $[Redacted]. | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 59112 |  |  |  | 35229569 |  | Credit | Guideline | Guideline Issue | Guideline | Bank Statement program requires at least [Redacted] months of business bank statements. |  | The file was missing the fully executed Business Narrative. |  |  |  | Reviewer Comment (2025-12-02): Business Narrative indexed. Note - this is not signed/dated, which guidelines do not require unless a signature line is present. Exception cleared.<br>Buyer Comment (2025-12-02): Please refer to page [Redacted] [Redacted]ID [Redacted]of the loan images for the business narrative information. | 12/02/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 91932 |  |  |  | 35229570 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-10-31): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the [Redacted]on[Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10471 |  |  |  | 35229591 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-11-07): [Redacted] acknowledges exception, no change to grading. |  |  | 11/07/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 38924 |  |  |  | 35229596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the [Redacted]. | Lender credit was last disclosed as $[Redacted] on the Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]received rebuttal suffice<br>Buyer Comment (2025-11-07): Please be advised there was no decrease in credits. The final LE disclosed $[Redacted] as the credit and the CD addendum on pg[Redacted] dated [Redacted] that corresponds with the final CD confirms the [Redacted]received a final interest rate paid credit of $[Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 91383 |  |  |  | 35229610 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-11-07): [Redacted] acknowledges exception, no change to grading. |  |  | 11/07/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 96393 |  |  |  | 35229628 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | [Redacted] has [Redacted] ownership of[Redacted] |  |  |  | Reviewer Comment (2025-11-10): As per provide comment & document used to evidence of Business income. Exception cleared.<br>Buyer Comment (2025-11-10): [Redacted]does not need evidence of access to funds for this account, account #[Redacted] was used to qualifying assets which access to funds is needed. The #[Redacted] account was used to evidence business income. To use self-employment income, we provided a cpa letter that confirms the quick ratio is greater than 1, which confirms the income can be used, se attached highlighted guidelines.<br>Reviewer Comment (2025-11-10): Provided Evidence of access letter is for [Redacted] (#[Redacted]). Please Provide letter confirming Evidence of Access to Funds for [Redacted](#[Redacted]). Exception Remains.<br>Buyer Comment (2025-11-07): Please see the attached documentation showing the [Redacted]is a signer on the business account. | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 96393 |  |  |  | 35229632 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Counseling Agencies Disclosure Not in File | [Redacted] - No evidence of required counseling disclosure language per [Redacted]. |  |  |  |  | Buyer Comment (2025-11-07): [Redacted] accepts; no change to grading. |  |  | 11/07/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 96393 |  |  |  | 35229634 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-11-10): Provided Business Narrative Document. Exception Cleared.<br>Buyer Comment (2025-11-07): Please see the attached business narrative. | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 96393 |  |  |  | 35229635 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-11-11): This was tied to the business narrative which has been provided. Exception cleared.<br>Buyer Comment (2025-11-07): Please see the attached documentation showing the [Redacted]is a signer on the business account. | 11/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 96393 |  |  |  | 35229636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | [Redacted] to missing income documentation |  |  |  | Reviewer Comment (2025-11-11): This was tied to the business narrative which has been provided. Exception cleared.<br>Buyer Comment (2025-11-07): Please see the attached documentation showing the [Redacted]is a signer on the business account. | 11/11/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 50816 |  |  |  | 35229645 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Appraisal Review Fee was not disclosed on the Loan Estimate but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-05): Please see the attached corrected CD mailed to the [Redacted]curing the issue. |  | 11/06/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 50816 |  |  |  | 35229646 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-11-03): [Redacted] acknowledges exception, no change to grading. |  |  | 11/03/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 44276 |  |  |  | 35229654 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-29): [Redacted] acknowledges exception, no change to grading. |  |  | 10/29/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 44276 |  |  |  | 35229656 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both [Redacted] and non-[Redacted] paid amounts. |  |  |  |  | Buyer Comment (2025-10-29): [Redacted] acknowledges exception, no change to grading. |  |  | 10/29/2025 | 2 B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 52702 |  |  |  | 35229660 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-11-04): [Redacted]received consent for revised LE.<br>Buyer Comment (2025-11-03): Please see attached confirming when the LE was viewed. Website FYI is the [Redacted]viewing the document. | 11/04/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83161 |  |  |  | 35229664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-29): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-10-28): Please see the attached internal screenshot showing that the LE dated[Redacted] was viewed/received by the [Redacted]on[Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 10/29/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 28545 |  |  |  | 35229670 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted]received consent for revised LE.<br>Buyer Comment (2025-10-31): Please see attached confirming when the LE was viewed. Website FYI is the [Redacted]viewing the document. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 18898 |  |  |  | 35229674 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on[Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] accepts; no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 16460 |  |  |  | 35229676 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted]% of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] acknowledges the exception, no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
|  | 16460 |  |  |  | 35229678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted]Received disclosure summary showing [Redacted]received the LE dated [Redacted] on [Redacted].<br>Buyer Comment (2025-10-31): Please see attached confirming when the LE was viewed. Website FYI is the [Redacted]viewing the document. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 89667 |  |  |  | 35229690 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-11-11): [Redacted] accepts; no change to grading |  |  | 11/11/2025 | 2 B |  | [Redacted] | Primary | Purchase | A B | Non QM | Non QM | No |
|  | 14774 |  |  |  | 35229694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | [Redacted] fee was not included in prepaid finance charges. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received lender attestation on [Redacted]fee primarily for verifying appraisal info & [Redacted] excludable services<br>Buyer Comment (2025-11-17): Please see the attached further clarification from the lender that the appraisal fee is not considered a finance charge and is excludable.<br>Reviewer Comment (2025-11-10): [Redacted]reviewed email chain & clarification of [Redacted]fee and the services listed for the [Redacted]fee. The purpose/services of the fee determine if a finance charge and not the payee. The fees noted that included in [Redacted]fee do include fees that would not be excludable, such as cost of ordering & coordinating. [Redacted]fee is excludable if it is primarily for services related to items listed in [Redacted] such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [Redacted] fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a [Redacted] excludable service, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-11-07): Please see the attached confirmation from the correspondent lender that the [Redacted]fee is not considered a finance charge. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 14774 |  |  |  | 35229696 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | [Redacted] was not included in prepaid finance charges |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received lender attestation on [Redacted]fee primarily for verifying appraisal info & [Redacted]excludable services<br>Buyer Comment (2025-11-17): Please see the attached further clarification from the lender that the appraisal fee is not considered a finance charge and is excludable.<br>Reviewer Comment (2025-11-10): [Redacted]reviewed email chain & clarification of [Redacted]fee and the services listed for the [Redacted]fee. The purpose/services of the fee determine if a finance charge and not the payee. The fees noted that included in [Redacted]fee do include fees that would not be excludable, such as cost of ordering & coordinating. [Redacted]fee is excludable if it is primarily for services related to items listed in [Redacted] such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [Redacted]fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a [Redacted]excludable service, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-11-07): Please see the attached confirmation from the correspondent lender that the [Redacted]fee is not considered a finance charge. | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 97274 |  |  |  | 35229703 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the HOA dues documentation for this property, please provide for review. |  |  |  | Reviewer Comment (2025-11-06): Provided HOA document, Exception Cleared.<br>Buyer Comment (2025-11-05): Please see attached, HOA dues information as requested. | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 97274 |  |  |  | 35229706 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-11-05): [Redacted] acknowledges exception, no change to grading. |  |  | 11/05/2025 | 2 B |  | [Redacted] | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 97274 |  |  |  | 35229708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-11-06): [Redacted]received disclosure tracking for initial CD.<br>Buyer Comment (2025-11-05): Please see page [Redacted] of the loan file. The Evidentiary document confirms acknowledged date on the [Redacted] | 11/06/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 42351 |  |  |  | 35229714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-11-05): Please see the attached le verification. The website FYI showing received is the [Redacted]acknowledging receipt, and the outstanding is the date/time the le was printed/disclosed. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 12858 |  |  |  | 35229718 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-11-14): [Redacted] acknowledges exception, no change in grading |  |  | 11/14/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 12858 |  |  |  | 35229719 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Breakdown of [Redacted] fee on invoice was not provided. |  |  |  | Reviewer Comment (2025-11-10): Offset provided for [Redacted] paid fees.<br>Buyer Comment (2025-11-05): S[Redacted]is using an incorrect QM loan amount of $[Redacted] and tolerance of $[Redacted] . [Redacted] is correctly using $[Redacted] which makes the max $[Redacted] . There were no [Redacted] discount points excluded, nor fees paid to affiliates. Please clear this exception or provide clarification how you are calculating the QM loan amount and why. | 11/10/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 12858 |  |  |  | 35229720 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Breakdown of [Redacted] fee on appraisal invoice was not provided. |  |  |  | Reviewer Comment (2025-11-10): Offset provided for [Redacted] paid fees.<br>Reviewer Comment (2025-11-10): EXCEPTION HISTORY - Exception Detail was updated on [Redacted]/[Redacted] PRIOR Exception Detail: Qualified Mortgage ([Redacted]): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or . [Redacted]%).<br>Reviewer Comment (2025-11-10): EXCEPTION HISTORY - Exception Detail was updated on [Redacted]/[Redacted] PRIOR Exception Detail: Qualified Mortgage ([Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or . [Redacted]%).<br>Buyer Comment (2025-11-05): S[Redacted]is using an incorrect QM loan amount of $[Redacted] and tolerance of $[Redacted] . [Redacted] is correctly using $[Redacted] which makes the max $[Redacted] . There were no [Redacted] discount points excluded, nor fees paid to affiliates. Please clear this exception or provide clarification how you are calculating the QM loan amount and why. | 11/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 94187 |  |  |  | 35229725 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). |  |  |  |  | Buyer Comment (2025-10-29): [Redacted] acknowledges exception, no change in grading |  |  | 10/29/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
|  | 94187 |  |  |  | 35229729 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. Variance is due to the increase in the Title - CPL fee from $[Redacted]to $[Redacted]reflected inSection [Redacted]. No valid [Redacted]was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-30): [Redacted]received Post CD and LOX.<br>Buyer Comment (2025-10-29): please see attached | 10/30/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 64863 |  |  |  | 35229731 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted]Received disclosure summary showing LE dated [Redacted] received by [Redacted]on [Redacted].<br>Buyer Comment (2025-10-31): Please see the attached verification of [Redacted]acknowledgment (The website FYI confirms date/time [Redacted]acknowledged receipt), and the outstanding status aligns with the date/time the le was created. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 65881 |  |  |  | 35229735 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted] % Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] acknowledges the exception, no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
|  | 30755 |  |  |  | 35229737 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] acknowledges exception, no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30755 |  |  |  | 35229741 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide the Settlement Statement from the new mortgage with [Redacted] on the [Redacted]'s current primary residence to verify proceeds of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-31): Received closing disclosure from [Redacted] for [Redacted]'s current [Redacted]residence to verify proceeds of $[Redacted]. Exception cleared.<br>Buyer Comment (2025-10-31): Please see attached, CD from [Redacted] confirming funds to [Redacted]. | 10/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 10827 |  |  |  | 35229751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the completed Business Narrative. The [Redacted] letter does not contain all the required information and the Business Narrative in file signed by the [Redacted] was not completed. |  |  |  | Reviewer Comment (2025-11-03): Business narrative provided, exception cleared.<br>Buyer Comment (2025-10-31): Please see attached fully executed business narrative. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 76026 |  |  |  | 35229756 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted]received earliest consent for revised LE.<br>Buyer Comment (2025-10-31): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the [Redacted]on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 11/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30226 |  |  |  | 35229759 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-10-31): [Redacted] acknowledges the exception, no change to grading. |  |  | 10/31/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 90721 |  |  |  | 35229772 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to[Redacted] within [Redacted] business days of application. | Per the Evidentiary Document, LE's were issued on[Redacted],[Redacted] and [Redacted] that were not found in file. Please provide for review. |  |  |  | Reviewer Comment (2025-11-04): [Redacted]received [Redacted] , [Redacted] & [Redacted] LE's and proof of [Redacted]LE electronic receipt.<br>Buyer Comment (2025-11-03): Please see the attached le verification. | 11/04/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 90721 |  |  |  | 35229773 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate [Redacted] Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the [Redacted] at least [Redacted] [Redacted] business days prior to closing. | Per the Evidentiary Document, LE's were issued on[Redacted],[Redacted] and [Redacted] that were not found in file. Please provide for review. |  |  |  | Reviewer Comment (2025-11-04): [Redacted]received [Redacted] [Redacted] & [Redacted] LE's and proof of [Redacted] LE electronic receipt.<br>Buyer Comment (2025-11-03): Please see the attached loan estimate. | 11/04/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67871 |  |  |  | 35229775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay ([Redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redacted] |  |  |  |  | Buyer Comment (2025-11-03): [Redacted] acknowledges exception, no change in grading |  |  | 11/03/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 67871 |  |  |  | 35229776 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted]not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-11-05): Please see the additional screen shot from our internal underwriting system attached showing [Redacted][Redacted]LE disclosed [Redacted]was sent at [Redacted]<br> The tracking item was then cancelled at [Redacted]. Please reference the [Redacted]screen shot we sent which shows the [Redacted] LE was disclosed at [Redacted] The tracking item for the [Redacted]LE was cancelled when the [Redacted] LE was disclosed on [Redacted] at [Redacted] it was then received by the [Redacted]online via the website at [Redacted] Please use this to resolve the exception<br>Reviewer Comment (2025-11-05): [Redacted]received proof of earliest receipt. Please clarify provided documentation. The screenshots are not clear in regard to which LE they are addressing, nor are the screenshots clear in regard to the activity they are representing. What does, "received by tracking," mean in regard to the screen shot? What does, "cleared by underwriter," mean and which [Redacted] LE does it refer to? due to file contain [Redacted]set of LE's with date issued on [Redacted] with cash to close of $[Redacted]([Redacted]) and $[Redacted]([Redacted]).<br>Buyer Comment (2025-11-03): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the [Redacted]on [Redacted] Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 67871 |  |  |  | 35229777 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted]not received by [Redacted] at least[Redacted]business days prior to closing. | Verification of earlier [Redacted] receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-11-05): Please see the additional screen shot from our internal underwriting system attached showing [Redacted][Redacted]LE disclosed [Redacted]was sent at [Redacted]<br> The tracking item was then cancelled at [Redacted] Please reference the [Redacted]screen shot we sent which shows the [Redacted]LE was disclosed at [Redacted] The tracking item for the [Redacted]LE was cancelled when the second LE was disclosed on [Redacted] at [Redacted] , it was then received by the [Redacted]online via the website at [Redacted] . Please use this to resolve the exception<br>Reviewer Comment (2025-11-05): [Redacted]received proof of earliest receipt. Please clarify provided documentation. The screenshots are not clear in regard to which LE they are addressing, nor are the screenshots clear in regard to the activity they are representing. What does, "received by tracking," mean in regard to the screen shot? What does, "cleared by underwriter," mean and which [Redacted] LE does it refer to? due to file contain [Redacted]set of LE's with date issued on [Redacted]with cash to close of $[Redacted]([Redacted]) and $[Redacted]([Redacted]).<br>Buyer Comment (2025-11-03): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the [Redacted]on [Redacted] Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the [Redacted]electronically. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 60325 |  |  |  | 35269119 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception is approved for [Redacted] LTV. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted] months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-22): Lender exception in file. |  |  | 12/22/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 25420 |  |  |  | 35277138 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | [Redacted] (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees shown on Final Closing Disclosure. |  |  |  | Reviewer Comment (2026-01-08): Undiscounted rate and undiscounted price provided, exception cleared.<br>Seller Comment (2026-01-06): [Redacted] - Loan registered as Non-QM - not a high-cost loan. Please restate as Non-QM. The following Par rate information not provided in file - [Redacted] Passes [Redacted] Points and fees - does not exceed [Redacted]% threshold - eligible to exclude up to[Redacted] [Redacted] discount point - Discount $[Redacted]excluded. Please review and clear exception. | 01/08/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 25420 |  |  |  | 35277139 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | [Redacted] (High-Cost Mortgage): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees of $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees of $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). Non-Compliant High-Cost Loan. |  |  |  | Reviewer Comment (2026-01-08): Undiscounted rate and undiscounted price provided, exception cleared.<br>Seller Comment (2026-01-06): [Redacted]- Loan registered as Non-QM - not a high-cost loan. Please restate as Non-QM. The following Par rate information not provided in file - [Redacted] Passes [Redacted] Points and fees - does not exceed [Redacted]% threshold - eligible to exclude up to[Redacted] [Redacted] discount point - Discount $[Redacted] excluded. Please review and clear exception. | 01/08/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | Yes |
|  | 25420 |  |  |  | 35277140 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | [Redacted] (HOEPA): [Redacted] did not receive pre-loan counseling. | Evidence [Redacted] received pre-loan counseling was not provided. |  |  |  | Reviewer Comment (2026-01-08): Undiscounted rate and undiscounted price provided, exception cleared.<br>Seller Comment (2026-01-06): [Redacted] - This is a Non-QM loan product - not high cost - [Redacted] disclosures are not required. Please review and clear. | 01/08/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 68968 |  |  |  | 35278397 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-19): Sufficient Cure Provided At Closing |  | 12/19/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 50712 |  |  |  | 35306813 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verify [Redacted] meets cash out seasoning requirements. |  |  |  | Reviewer Comment (2026-01-06): Documentation provided; exception cleared.<br>Seller Comment (2026-01-02): ATTACHED | 01/06/2026 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 50795 |  |  |  | 35302220 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-11-19): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-11-17): See docs provided | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 50795 |  |  |  | 35302222 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted]s who own a primary residence must provide: On-line valuation such as [Redacted] evidencing primary home superior in value and/or appeal to subject. |  |  |  | Reviewer Comment (2025-12-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-25): See docs provided<br>Reviewer Comment (2025-11-19): [Redacted]s who own a [Redacted]residence must provide. We require an online valuation from a reputable [Redacted] ] (such as [Redacted], [Redacted], or [Redacted]) for the [Redacted]home. This valuation should demonstrate that the [Redacted]residence is superior in value and/or appeal compared to the subject investment property. Exception remains.<br>Buyer Comment (2025-11-17): See docs provided | 12/02/2025 |  |  | 1 C A D |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 50795 |  |  |  | 35302223 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | HO6 policy: Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  |  | Reviewer Comment (2025-11-12): Received and associated Updated Hazard Insurance Policy. Exception Cleared<br>Buyer Comment (2025-11-10): see attached updated HOI | 11/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 18792 |  |  |  | 35302225 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-17): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-12-15): doc uploaded | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 18792 |  |  |  | 35302226 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-12-17): Received and associated Guarantor Agreement. Exception cleared.<br>Buyer Comment (2025-12-15): doc uploaded | 12/17/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 36600 |  |  |  | 35302229 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing wire, donor check etc for gift in the amount of $[Redacted]k. |  |  |  | Reviewer Comment (2025-11-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-13): WIRE | 11/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 36600 |  |  |  | 35302230 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Per Ameritrust guidelines, [Redacted] requires [Redacted] months reserves. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-11-26): The client elects to waive.<br>Buyer Comment (2025-11-24): exception uploaded<br>Reviewer Comment (2025-11-17): Per [Redacted]guidelines, FTI requires [Redacted] months reserves.<br>Reviewer Comment (2025-11-17): Based on the [Redacted]guidelines, [Redacted]is '[Redacted][Redacted]' requires [Redacted] months reserves. Please provide additional assets will be needed to satisfy the reserve obligations. Exception remains<br>Buyer Comment (2025-11-13): docs uploaded |  |  | 11/26/2025 | 2 C B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 98840 |  |  |  | 35302233 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | The file does not contain the tri-merge credit report. The Refresh Report reflects a score of [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated Credit Report. Exception Cleared<br>Buyer Comment (2025-11-14): Please clear- this was attached to <br> [Redacted] | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 98840 |  |  |  | 35302234 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file contains a Refresh Report only. The full tri-merged credit report is not provided in the file. |  |  |  | Reviewer Comment (2025-11-12): Received and associated updated Credit Report. Exception Cleared<br>Buyer Comment (2025-11-10): See report provided | 11/12/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 98840 |  |  |  | 35302235 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  |  |  |  | Reviewer Comment (2025-12-02): Documentation provided; exception cleared.<br>Reviewer Comment (2025-11-28): Hazard insurance effective date [Redacted] is after the note date [Redacted], please provide the hazard insurance policy within the note date. Exception remains.<br>Buyer Comment (2025-11-25): See documentation that there have been no claims.<br>Reviewer Comment (2025-11-25): Provided document is not showing the effective date and complete HOI information. Hazard insurance effective date is after the note date. Please provide the HOI with effective date before the HOI. Exception Remains.<br>Buyer Comment (2025-11-24): See docs provided | 12/02/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 98840 |  |  |  | 35302236 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using higher lease amount without having the required [Redacted] months current receipt, lender exception in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | [Redacted] months reserves | Originator,SitusAMC | Reviewer Comment (2025-11-06): Lender exception in file. |  |  | 11/06/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 95215 |  |  |  | 35302237 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-11-13): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-12): see attached fraud report | 11/13/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 95215 |  |  |  | 35302239 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-18): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-14): fraud report uploaded<br>Buyer Comment (2025-11-14): fraud report | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 95215 |  |  |  | 35302240 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | The file is missing a copy of the fraud report. |  |  |  | Reviewer Comment (2025-11-25): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-11-24): See docs provided | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 95215 |  |  |  | 35302241 |  | 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 Date[Redacted], Disbursement Date: [Redacted] |  |  |  | Reviewer Comment (2025-11-18): LOE from insurer stating no claims.<br>Reviewer Comment (2025-11-14): The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Please Provide a revised homeowner's. Exception remains.<br>Buyer Comment (2025-11-12): see attached LOX from insurance indicating no claims | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 95215 |  |  |  | 35302242 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing lease agreements for subject. Per appraisal and 1007, all [Redacted]units are rented. |  |  |  | Reviewer Comment (2025-11-26): Received and associated Lease agreement. Exception cleared.<br>Buyer Comment (2025-11-25): See docs provided<br>Reviewer Comment (2025-11-17): Lease is in place, provide copies of leases.<br>Buyer Comment (2025-11-13): Market rents were used for this approval. Per [Redacted] guidelines, if no lease is in place, use the market rents. | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 48622 |  |  |  | 35302244 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-11-19): Received and associated Certificate of Good Standing. Exception Cleared<br>Buyer Comment (2025-11-17): see attached cert of good standing | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 55095 |  |  |  | 35302245 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate document is missing in the file. |  |  |  | Reviewer Comment (2025-11-20): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-11-19): see attached cert with correct address<br>Reviewer Comment (2025-11-17): Received Business Purpose Certificate with incorrect subject property address. As per note subject property address is "[Redacted]", whereas the received Business Purpose Certificate reflects "[Redacted]", Please provide Business Purpose Certificate with subject property address. Exception remains.<br>Buyer Comment (2025-11-13): cert | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 55095 |  |  |  | 35302247 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verify [Redacted] is not a [Redacted]. |  |  |  | Reviewer Comment (2025-11-26): A Lease was provided reflecting the [Redacted]as the Landlord so the [Redacted]not being a [Redacted][Redacted] was verified.<br>Buyer Comment (2025-11-22): see attached lease | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 47155 |  |  |  | 35302250 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file is missing a copy of the guarantor agreement. |  |  |  | Reviewer Comment (2025-11-19): Received and associated Guarantor Agreement. Exception Cleared<br>Buyer Comment (2025-11-17): \*<br>Buyer Comment (2025-11-17): Guarantor Agreement | 11/19/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 47155 |  |  |  | 35302252 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement. |  |  |  | Reviewer Comment (2025-11-19): Received and associated Operating Agreement. Exception Cleared<br>Buyer Comment (2025-11-17): \*<br>Buyer Comment (2025-11-17): Operating Agreement | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 47155 |  |  |  | 35302253 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide clarification that there were no monthly payments due to Builder Finance between [Redacted]and closing for subject. |  |  |  | Reviewer Comment (2025-11-28): Evidence of no monthly payments was provided.<br>Buyer Comment (2025-11-25): see attached payoff, email confirm and mortgage<br>Reviewer Comment (2025-11-20): Exception for subject not primary.<br>Buyer Comment (2025-11-19): No payment | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 40343 |  |  |  | 35302256 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Correct 1003 to reflect [Redacted] living rent free since [Redacted] per LOE in file. |  |  |  | Reviewer Comment (2025-12-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-09): 1003 | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 88261 |  |  |  | 35302260 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-12-10): Business Purpose Certificate | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 88261 |  |  |  | 35302261 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  | Evidence that the property is actively listed as a short term rental is required. |  |  |  | Reviewer Comment (2025-12-12): Received and associated Vacation rental website listing from [Redacted]. Exception cleared.<br>Buyer Comment (2025-12-10): Vacation Rental website | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 39623 |  |  |  | 35302263 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of the fraud report. |  |  |  | Reviewer Comment (2025-12-12): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-12-10): [Redacted] | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 39623 |  |  |  | 35302264 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the fraud report. |  |  |  | Reviewer Comment (2025-12-12): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-12-10): [Redacted] | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 39623 |  |  |  | 35302265 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | The file is missing a copy of the Background Check . |  |  |  | Reviewer Comment (2025-12-12): Received and associated Fraud Report. Exception Cleared<br>Buyer Comment (2025-12-10): [Redacted] | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 39623 |  |  |  | 35302266 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The file is missing a copy of the Note Addendum - Prepayment. |  |  |  | Reviewer Comment (2025-12-12): Received and associated Note Addendum - Prepayment. Exception Cleared<br>Buyer Comment (2025-12-10): Note Addendum - Prepayment. | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | Yes |
|  | 68898 |  |  |  | 35302278 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for [Redacted] to use gift funds without [Redacted] [Redacted] contribution. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Preapproved exception |  |  | 11/12/2025 | 2 B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 68898 |  |  |  | 35302279 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation that the [Redacted]/EA/CTEC license is verified and active. |  |  |  | Reviewer Comment (2025-11-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-21): See docs attached | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 77482 |  |  |  | 35302293 |  | 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 | [Redacted]: Subject loan transaction disbursed on [Redacted] prior to [Redacted] business days from transaction date of[Redacted] |  |  |  |  | Reviewer Comment (2025-11-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-17): title email<br>Buyer Comment (2025-11-17): signed and stamped true and correct copy<br>Reviewer Comment (2025-11-17): Provide signed/stamped final closing statement to verify disbursement date.<br>Buyer Comment (2025-11-13): [Redacted] with correct settlement date | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 77482 |  |  |  | 35302294 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing verification of rent for prior residence ([Redacted] months rent per 1003) to complete [Redacted]month primary housing history. |  |  |  | Reviewer Comment (2025-11-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-05): \*<br>Buyer Comment (2025-11-05): Rental history verification. Previous [Redacted]damaged by wildfires. | 11/07/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 28839 |  |  |  | 35302296 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Missing lease,Sch [Redacted] or [Redacted] for rental income used to qualify on other REOs. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]statements for the rental properties were provided and the DTI is now [Redacted]%<br>Reviewer Comment (2025-11-11): The statements in the file do not reflect an address to determine which [Redacted]is for which property. Unable to calculate the rental income without this information.<br>Buyer Comment (2025-11-07): Per lender: Please advise the reviewer that the properties #[Redacted]and #[Redacted] are Short Term Rental properties and the loan file had all the supporting documents to support income from [Redacted]and [Redacted]. Due to it being short term rentals there are no leases and appraisers no longer (Per[Redacted] are allowed to provide 1007 on short term rentals. We can not provide Sch [Redacted] because loan program is a Alt Doc with bank statements therefor tax returns are not provided.<br>See all attached pages on the Short Term Rental income. | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 28839 |  |  |  | 35302297 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing lease,Sch [Redacted] or [Redacted] for rental income used to qualify on other REOs, resulting in dti of 6[Redacted]. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]statements for the rental properties were provided and the DTI is now [Redacted]% | 12/15/2025 |  |  | 1 B A C |  | [Redacted] | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 28839 |  |  |  | 35302298 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing lease,Sch [Redacted] or [Redacted] for rental income used to qualify on other REOs, resulting in dti of [Redacted]. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]statements for the rental properties were provided and the DTI is now [Redacted]% | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 28839 |  |  |  | 35302299 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([Redacted]): The DTI calculated in accordance with the Lenders Guidelines and[Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | Missing lease,Sch [Redacted] or [Redacted] for rental income used to qualify on other REOs, resulting in dti of [Redacted]. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]statements for the rental properties were provided and the DTI is now [Redacted]% | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 97567 |  |  |  | 35302302 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 47428 |  |  |  | 35302309 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] had informal lease agreement for residence. [Redacted] month payment history was not provided. Letter of explanation was provided from the [Redacted]. No LOE was provided from the owner of the Property. |  |  |  | Reviewer Comment (2025-11-18): The guidelines allow an option to use the AUS for credit history, and the DU does not require further documentation.<br>Buyer Comment (2025-11-14): [Redacted] rate has [Redacted]options for credit history - Option [Redacted] is to use AUS findings. Option [Redacted] includes needing rent free/vom/vor. Lender used Option [Redacted]. See attached AUS. | 11/18/2025 |  |  | 1 C A D |  | [Redacted] | Primary | Purchase | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 47428 |  |  |  | 35302310 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Missing evidence of receipt of gift funds, and G Rate requires a cash flow analysis for use of business funds for closing. |  |  |  | Reviewer Comment (2025-12-04): Received and associated [Redacted] ] of Funds/Deposit for Gift Funds. Sufficient assets for closing requirement verified. Exception Cleared.<br>Buyer Comment (2025-12-03): Also per lender: We received a gift letter from cousin for $[Redacted] stating the [Redacted] ] of funds for this gift is "Proceeds from sale of[Redacted] "<br> The cousin from the gift letter and [Redacted]opened up a joint bank account with [Redacted] x[Redacted] <br> Cousin sold property at[Redacted] with net proceeds $[Redacted] . We have a copy of the settlement statement and deposit slip to confirm.<br> Updated transaction history for [Redacted] x[Redacted] shows that deposit.<br> Since we have a gift letter from cousin for $[Redacted] k from net proceeds from sale of [Redacted] and we have deposited more than $[Redacted] deposited into a joint account owned by [Redacted]and cousin, we used $[Redacted] as gift funds for assets. We have gift letter, transfer, and deposit into an account owned by [Redacted]. We shouldn't need to separately get a joint access letter by the cousin for use of funds when we already have a gift letter confirming cousin was giving $[Redacted] from proceeds of that transaction to [Redacted]for purchase of our subject property.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-12-02): Bank statement account number#[Redacted] reflects a joint account held by the [Redacted]and the donor; however, the current balance is [Redacted] . The [Redacted]is scheduled to receive a gift of $[Redacted] from the sale of real estate property located at [Redacted] . To proceed, we require the most recent transaction history for[Redacted] joint account ending in #[Redacted] , along with evidence confirming the ' [Redacted]'s access to funds from the joint account holder' ([Redacted]) or Requires a cash flow analysis for use of business funds for closing. Exception remains.<br>Buyer Comment (2025-11-28): See docs provided<br>Reviewer Comment (2025-11-18): The received bank statement reflects a joint account held by the [Redacted]and the donor; however, the current balance is [Redacted] . The [Redacted]is scheduled to receive a gift of $[Redacted] from the sale of real estate property located at [Redacted] . To proceed, we require the most recent transaction history for[Redacted] joint account ending in #[Redacted] , along with evidence confirming the [Redacted]'s access to funds from the joint account holder ([Redacted]). Exception remains.<br>Buyer Comment (2025-11-14): Gift letter is for $[Redacted] . Funds were from sale of property by donor and deposited into a joint account with [Redacted]. Total funds from sale exceeded $[Redacted] but only $[Redacted] were used for the gift.<br>Buyer Comment (2025-11-14): Gift letter is for $[Redacted]. Funds were from sale of property by donor and deposited into a joint account with [Redacted]. Total funds from sale exceeded $[Redacted]but only $[Redacted]were used for the gift.<br>Reviewer Comment (2025-11-12): Missing evidence of receipt of gift funds.<br>Reviewer Comment (2025-11-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[Redacted] is less than Cash From [Redacted].<br>Buyer Comment (2025-11-12): docs uploaded | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 47428 |  |  |  | 35302311 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | [Redacted] Higher-Priced Mortgage Loan[Redacted] : Mandatory escrow account not established on [Redacted] lien mortgage loan. | Only taxes escrowed, [Redacted]requires both tax and insurance to be escrowed. |  |  |  | Reviewer Comment (2025-12-10): Cured by adding insurance to escrow account. [Redacted] and new IEAD [Redacted]ed by [Redacted].<br>Reviewer Comment (2025-12-05): That's the date of the letter but doesn't necessarily support that's the date it was actually sent. Depending on how the documents were sent to [Redacted], does lender have anything to show mailing (i.e., [Redacted]. If sent by regular [Redacted] Mail, we can also accept their attestation that is was mailed on [Redacted] date.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-12-02): Please clarify date the docs were provided to client to cure exceptions.<br>Buyer Comment (2025-11-28): See docs provided |  | 12/10/2025 |  | 2 B |  | [Redacted] | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 47428 |  |  |  | 35302312 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted]Non Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% +[Redacted].[Redacted], or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Only taxes escrowed, [Redacted]requires both tax and insurance to be escrowed. |  |  |  | Reviewer Comment (2025-12-10): Loan is [Redacted]Compliant.<br>Reviewer Comment (2025-12-05): That's the date of the letter but doesn't necessarily support that's the date it was actually sent. Depending on how the documents were sent to [Redacted], does lender have anything to show mailing (i.e., [Redacted].). If sent by regular [Redacted] Mail, we can also accept their attestation that is was mailed on [Redacted] date.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-12-02): Please clarify date the docs were provided to client to cure exceptions.<br>Buyer Comment (2025-11-28): See docs provided | 12/10/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 55988 |  |  |  | 35302314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-24): [Redacted]received [Redacted]dated [Redacted] for lock extension.<br>Buyer Comment (2025-11-21): See docs provided<br>Reviewer Comment (2025-11-20): [Redacted]received [Redacted]dated [Redacted]/[Redacted] however the fee added on CD dated [Redacted][Redacted] for[Redacted] .Kindly provide a valid [Redacted]for the fee added on CD dated [Redacted][Redacted] or cure due to [Redacted].Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-19): See docs uploaded<br>Reviewer Comment (2025-11-11): [Redacted]received CD and [Redacted]dated [Redacted] but the fee was increased on CD dated [Redacted] and the [Redacted]dated [Redacted] in file does not have any reason for increase in the fee. Please provide information as to what changed circumstance occurred (as defined under[Redacted] that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-10): See docs provided | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Rate/Term | 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 |
|  | 55988 |  |  |  | 35302316 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing |  | 11/24/2025 |  | 1 A |  | [Redacted] | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 95067 |  |  |  | 35302321 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing a copy of the sales agreement |  |  |  | Reviewer Comment (2025-11-18): Received and associated Purchase Agreement / Sales Contract. Exception cleared<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 D A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302322 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of the Insurance Document |  |  |  | Reviewer Comment (2025-11-18): Received and associated Insurance Verification for [Redacted] . Exception cleared<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302323 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of Insurance Document and HOA dues documentation. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Insurance Verification and HOA Verification for [Redacted] Exception Cleared<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302324 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of the Currency Converter Document and [Redacted] years of[Redacted] or equivalent documentation. |  |  |  | Reviewer Comment (2025-11-21): Received and associated [Redacted] and currency converter. Exception cleared.<br>Buyer Comment (2025-11-18): See docs provided<br>Reviewer Comment (2025-11-18): Received [Redacted] document for [Redacted]. Please provide Currency Converter Document and [Redacted]years of [Redacted] for "[Redacted]". Exception remains.<br>Buyer Comment (2025-11-14): See docs provided | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302325 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of the Currency Converter Document and [Redacted] years of[Redacted] or equivalent documentation. |  |  |  | Reviewer Comment (2025-11-21): Received and associated [Redacted] and currency converter. Exception cleared.<br>Buyer Comment (2025-11-18): see docs provided | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302326 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-11-21): Received and associated [Redacted] and currency converter. Exception cleared. | 11/21/2025 |  |  | 1 B A C |  | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 95067 |  |  |  | 35302327 |  | 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[Redacted] within [Redacted] business days of application. |  |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received initial LE dated [Redacted] .<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Insufficient income documentation. |  |  |  | Reviewer Comment (2025-11-21): Received and associated [Redacted] and currency converter. Exception cleared. | 11/21/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 95067 |  |  |  | 35302329 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Condo Master Policy not provided. |  |  |  | Reviewer Comment (2025-11-18): Received and associated Hazard Insurance Condo Master Policy. Exception cleared<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 43971 |  |  |  | 35302334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] [Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Mortgage Broker Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-03): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-02): [Redacted] |  | 12/03/2025 |  | 2 C B |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 43971 |  |  |  | 35302335 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-11-25): Received and associated title final. Exception cleared.<br>Buyer Comment (2025-11-21): Final Title with loan amount | 11/25/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 43971 |  |  |  | 35302336 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-11-25): Received and associated title final. Exception cleared. | 11/25/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 39337 |  |  |  | 35302340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Tax Service Fee [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Tax Service Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-26): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-25): see attached [Redacted], LOX, delivery, check<br>Reviewer Comment (2025-11-18): [Redacted]received [Redacted]dated [Redacted] stating " Tax service fee increased" but it does not give sufficient information on why the Tax service fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-17): docs uploaded |  | 11/26/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 67293 |  |  |  | 35302345 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative forms were not provided for each Business used to qualify. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-10): Documentation provided; exception cleared.<br>Reviewer Comment (2025-12-05): Missing validation of cpa information for [Redacted] . Provide license or other documentation to verify he is a licensed CPA.<br>Reviewer Comment (2025-12-04): CPA verification has been received for "[Redacted] ". However, CPA verification is also required for "[Redacted] ". Exception remains.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-11-18): Received Business Narrative. Please provide CPA Verification. Exception remains<br>Buyer Comment (2025-11-14): See docs provided<br>Buyer Comment (2025-11-14): See business narrative | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67293 |  |  |  | 35302347 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Documentation to support yearly tax amount upon subject completion was not provided. |  |  |  | Reviewer Comment (2025-12-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-25): See processor cert<br>Reviewer Comment (2025-11-20): The property is confirmed as fully built and completed per the 1004D document. However, the file currently lacks verification of full property taxes. Only land tax has been confirmed, and email correspondence indicates taxes are calculated solely on land. A tax estimate for the completed property is required to accurately determine PITIA. Please provide updated tax information or a reliable tax estimate for the improved property. Exception remains<br>Buyer Comment (2025-11-18): Docs were uploaded on[Redacted] but I do not see any review notes.<br>Buyer Comment (2025-11-17): See docs provided | 12/02/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67293 |  |  |  | 35302348 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates [Redacted] will not occupy. |  | Section [Redacted]: Loan and Property Information of Final 1003 indicates Occupancy as Primary Residence. Section [Redacted] of Final 1003 Question A indicates that the [Redacted] will not occupy the property as Primary residence. |  |  |  | Reviewer Comment (2025-11-19): Received and associated updated final 1003. Exception Cleared<br>Buyer Comment (2025-11-17): See docs provided | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67293 |  |  |  | 35302349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at QM risk due to missing income documentation. Business Narrative forms were not provided for each Business used to qualify. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-08): See docs provided<br>Reviewer Comment (2025-12-05): Missing validation of cpa information for [Redacted] . Provide license or other documentation to verify he is a licensed CPA.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-11-18): Missing validity of CPA.<br>Buyer Comment (2025-11-14): see docs provided | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 67293 |  |  |  | 35302350 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM risk due to missing income documentation. Business Narrative forms were not provided for each Business used to qualify. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-08): See docs provided<br>Reviewer Comment (2025-12-05): Missing validation of cpa information for [Redacted] . Provide license or other documentation to verify he is a licensed CPA.<br>Buyer Comment (2025-12-03): See docs provided | 12/10/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 67293 |  |  |  | 35302351 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for rent-free documentation where [Redacted] lives in on-site manager's [Redacted] of [Redacted] of the hotels they own. Approval in file. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-12): Lender exception in file. |  |  | 11/12/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 34604 |  |  |  | 35302355 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Letter in file used to verify Business ownership percentage was not signed by an agent or [Redacted]. Verification of certification of a [Redacted] or registered agent was not provided. |  |  |  | Reviewer Comment (2025-12-08): Received and associated CPA Verification. Exception Cleared<br>Buyer Comment (2025-12-04): See docs provided<br>Reviewer Comment (2025-12-04): CPA's certification with license and current status is required to verify the CPA. Exception remains.<br>Buyer Comment (2025-12-02): See docs provided<br>Reviewer Comment (2025-11-19): No new documentation provided for this exception.<br>Buyer Comment (2025-11-17): See docs provided | 12/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 34604 |  |  |  | 35302356 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Letter in file used to verify Business ownership percentage was not signed by an agent or [Redacted]. Verification of certification of a [Redacted] or registered agent was not provided. |  |  |  | Reviewer Comment (2025-12-08): Received and associated CPA Verification. Exception Cleared<br>Reviewer Comment (2025-11-19): No new documentation provided for this exception.<br>Buyer Comment (2025-11-17): See docs provided | 12/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 34604 |  |  |  | 35302357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Letter in file used to verify Business ownership percentage was not signed by an agent or [Redacted]. Verification of certification of a [Redacted] or registered agent was not provided. |  |  |  | Reviewer Comment (2025-12-08): Received and associated CPA Verification. Exception Cleared<br>Reviewer Comment (2025-11-19): No new documentation provided for this exception.<br>Buyer Comment (2025-11-17): See docs provided | 12/08/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 69638 |  |  |  | 35302359 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation discrepancy due to calculated DTI exceeds guidelines.[Redacted] shown as pending sale on Final 1003. Final or estimated closing statement is required. Property expenses included in DTI. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated 1003 and 1008. Exception cleared<br>Buyer Comment (2025-11-14): docs uploaded to [Redacted] | 11/18/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 69638 |  |  |  | 35302360 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted] % significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted] .) | Variance in DTI is due to missing REO documentation, [Redacted] shown as pending sale on Final 1003. Final or estimated closing statement is required. Property expenses included in DTI. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated 1003 and 1008. Exception cleared<br>Buyer Comment (2025-11-14): docs uploaded to [Redacted] | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302362 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates [Redacted] will not occupy. |  | Subject property occupancy status is Primary residence however Final 1003 declaration question A. "Will you occupy the property as your primary residence" was marked as "No" |  |  |  | Reviewer Comment (2025-11-24): Received LOE stating the Co-[Redacted]will not be occupying the subject property as [Redacted]residence. Exception cleared.<br>Buyer Comment (2025-11-20): LOE for non-occupant co [Redacted]. | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302364 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | [Redacted] shown as pending sale on Final 1003. Final or estimated closing statement is required. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated 1003 and 1008. Exception cleared<br>Buyer Comment (2025-11-14): docs uploaded | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302365 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR risk due to calculated DTI exceeds guidelines. [Redacted] shown as pending sale on Final 1003. Final or estimated closing statement is required. Property expenses included in DTI. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated 1003 and 1008. Exception cleared<br>Buyer Comment (2025-11-14): docs uploaded to [Redacted] | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302366 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing HOA verification. |  |  |  | Reviewer Comment (2025-12-10): Received and associated Insurance Verification for '[Redacted]'. Exception Cleared<br>Buyer Comment (2025-12-07): docs uploaded<br>Reviewer Comment (2025-11-24): Provided property search is showing no HOA on the property #[Redacted], however final 1003 is listed with the other payment of $[Redacted] . Please provide the proof of document for these expenses. Exception Remains.<br>Buyer Comment (2025-11-20): Verification no HOA for [Redacted] | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302367 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Property shown as pending sale on Final 1003. Final or estimated closing statement is required to be excluded from DTI. |  |  |  | Reviewer Comment (2025-11-18): Received and associated updated 1003 and 1008. Exception cleared<br>Buyer Comment (2025-11-14): docs uploaded | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69638 |  |  |  | 35302368 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax, Insurance and HOA verifications |  |  |  | Reviewer Comment (2025-12-12): Received and associated updated 1003. Exception Cleared<br>Buyer Comment (2025-12-10): See attached 1003<br>Reviewer Comment (2025-12-10): Received Letter stating that "[Redacted] property has a mortgage of $[Redacted] as per the statement. Taxes and HOI are impounded and included in the mortgage payment. There is no HOA on this property. It appears that the taxes may have been added [Redacted] , which seems to be the only discrepancy. Kindly provide the corrected final Form 1003 reflecting accurate figures. Exception remains.<br>Buyer Comment (2025-12-07): docs uploaded<br>Reviewer Comment (2025-11-24): Provided property search is showing no HOA on the property #[Redacted] [Redacted] however final 1003 is listed with the other payment of $[Redacted] . Please provide the proof of document for these expenses. Exception Remains.<br>Buyer Comment (2025-11-20): HOA and mortgage statement uploaded for [Redacted]<br>Buyer Comment (2025-11-20): HOA for [Redacted]<br>Buyer Comment (2025-11-20): Mortgage statement [Redacted] | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 22129 |  |  |  | 35302371 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. | Deed Preparation Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing |  | 11/11/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 22129 |  |  |  | 35302372 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Please provide a fully executed/stamped by court copy of the Final Divorce Decree. All copies in file are not finalized/executed/stamped |  |  |  | Reviewer Comment (2025-11-19): Received and associated executed/stamped by court copy of the Final Divorce [Redacted] Decree. Exception Cleared<br>Buyer Comment (2025-11-17): See docs provided | 11/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 93836 |  |  |  | 35302374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-21): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-11-21): check attached<br>Reviewer Comment (2025-11-21): [Redacted]Received Corrected [Redacted], LOE and Proof Mailing; however, copy of check not received. Provide copy of check.<br>Buyer Comment (2025-11-20): cure docs<br>Reviewer Comment (2025-11-18): [Redacted]received [Redacted]dated[Redacted] stating loan program changed. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-17): see attached [Redacted]with explanation for increase |  | 11/21/2025 |  | 2 C B |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 93836 |  |  |  | 35302375 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-19): 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 (2025-11-18): Final CD lists a Lender Credit for closing costs above legal limit in the amount of $[Redacted] for exception [Redacted] and exception [Redacted] . | 11/19/2025 |  |  | 1 C A |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 93836 |  |  |  | 35302376 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-11-19): 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 (2025-11-18): and [Redacted] .<br>Buyer Comment (2025-11-18): Final CD lists a Lender Credit for closing costs above legal limit in the amount of $[Redacted] for exception [Redacted] and exception [Redacted] . | 11/19/2025 |  |  | 1 C A |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 58768 |  |  |  | 35302378 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-11-25): Received and associated [Redacted] Consent Agreement. Exception cleared.<br>Buyer Comment (2025-11-24): See docs provided | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58768 |  |  |  | 35302380 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file was missing a copy of Approval. |  |  |  | Reviewer Comment (2025-11-25): Received and associated Approval. Exception cleared.<br>Buyer Comment (2025-11-24): See docs provided | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58768 |  |  |  | 35302382 |  | 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[Redacted] within [Redacted] business days of application. | Loan Estimate not delivered or placed in the mail to[Redacted] within [Redacted] business days of application. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]received application with property address and information confirming application date.<br>Buyer Comment (2025-12-04): see docs provided<br>Reviewer Comment (2025-12-04): [Redacted]received LOE for application date but file is missing 1003 with all [Redacted]pieces of information. Please provide copy of initial 1003 to re-evaluate the exception.<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-11-25): [Redacted] : The LE & [Redacted]that was provided in the trailing images was also provided in the original loan package. However, as per 1003 ([Redacted]) all the [Redacted] pieces of information was available except property address which is [Redacted] however, as per title commitment ([Redacted]) dated [Redacted] the address was available on it while the purchase contract ([Redacted]) is executed on [Redacted]. From the available documents we are unable to determine the exact date when lender has received all [Redacted] pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the[Redacted]th piece of information to lender to establish the application date. If application date was within [Redacted] business days of the [Redacted] LE, lender should further clarify the discrepancy with the title commitment with lender name and dated [Redacted]and sales contract dated [Redacted].<br>Buyer Comment (2025-11-24): See docs provided | 12/08/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58768 |  |  |  | 35302383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-04): [Redacted]received [Redacted]dated[Redacted]<br>Buyer Comment (2025-12-03): See docs provided<br>Reviewer Comment (2025-11-25): [Redacted]received Changed Circumstance dated[Redacted]. but it does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to [Redacted], proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-24): See docs provided | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 58768 |  |  |  | 35302386 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide [Redacted] months rental housing history for current primary. If private landlord, provide lease and cancelled checks. |  |  |  | Reviewer Comment (2025-11-26): A VOR from a non-private landlord was provided.<br>Buyer Comment (2025-11-24): See docs provided | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 32750 |  |  |  | 35302389 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Final LE is required to be received by [Redacted] at least [Redacted] day prior to Initial CD. Based on documentation in file, Final LE was received by [Redacted] on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-11-27): [Redacted]received initial CD.<br>Buyer Comment (2025-11-26): CD | 11/27/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 32750 |  |  |  | 35302390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | Loan Discount Points fee was disclosed as $,[Redacted] on LE but disclosed as $[Redacted] in Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-03): [Redacted]received a valid [Redacted],<br>Buyer Comment (2025-12-02): CD [Redacted]<br>Reviewer Comment (2025-12-02): [Redacted]received [Redacted]dated [Redacted] for change in loan amount but the loan amount and points were increased on CD dated[Redacted] which is [Redacted]th business day from the date of change. TRID timing was not met. Please provide any missing disclosures if any or cure would be required.<br>Buyer Comment (2025-12-01): [Redacted]<br>Reviewer Comment (2025-11-27): [Redacted]received initial CD. However, we would require a valid [Redacted]for the fee increased on CD dated[Redacted] /[Redacted] for $[Redacted] . Kindly provide a valid [Redacted]for the fee increased or cure due to [Redacted]. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-11-26): [Redacted] Bank // Account Type: Funds from Business Account / Account Number: [Redacted]<br>Buyer Comment (2025-11-26): CD | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | 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 |
|  | 32750 |  |  |  | 35302392 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | 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 (2025-11-28): An updated title commitment was provided.<br>Buyer Comment (2025-11-25): Corrected title uploaded<br>Buyer Comment (2025-11-25): PRELIM TITLE REPORT $[Redacted]k | 11/28/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 32750 |  |  |  | 35302395 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] party verification of business dated within[Redacted]days prior to Note date. |  |  |  | Reviewer Comment (2025-11-28): Verification of employement was provided.<br>Buyer Comment (2025-11-26): VOE | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 32750 |  |  |  | 35302396 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Missing evidence of access to business funds for closing. |  |  |  | Reviewer Comment (2025-12-03): Received and associated Personal Bank statement account number# [Redacted].Sufficient assets for closing requirement verified. Exception Cleared<br>Buyer Comment (2025-12-02): Personal Bank statement<br>Reviewer Comment (2025-12-01): Please provide letter from the [Redacted]AND a cash flow analysis or CPA letter stating that use of business funds will not have a negative impact on the business. Exception remains.<br>Buyer Comment (2025-12-01): Resolution<br>Buyer Comment (2025-11-28): sufficient to cover Cash From [Redacted].<br>Buyer Comment (2025-11-28): Assets updated<br>Buyer Comment (2025-11-28): Assets | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 32750 |  |  |  | 35302397 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Mortgage is missing the Notary Acknowledgment, signature and date. |  |  |  | Reviewer Comment (2025-12-03): Received and associated Security Instrument - Subject Lien. Exception cleared.<br>Buyer Comment (2025-12-01): Mortgage | 12/03/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 86352 |  |  |  | 35302407 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Officer's Certificate in file since operating agreements are not required in this state. |  |  |  | Reviewer Comment (2025-12-01): Evidence of sole member [Redacted] was provided and Operating Agreement is not required.<br>Buyer Comment (2025-11-26): Officer Cert<br>Reviewer Comment (2025-11-19): Received Business documents. Please provide Officer's Certificate in file since operating agreements are not required in this state. Exception remains<br>Buyer Comment (2025-11-17): [Redacted]Docs | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 92448 |  |  |  | 35306956 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] days of the Note. |  |  |  |  |  | Reviewer Comment (2025-11-24): Post close voe allowed per guidelines.<br>Reviewer Comment (2025-11-18): The VVOE - Employment Only was received on [Redacted]/[Redacted], which is after the note date of[Redacted]. As per guidelines, the Verification of Employment must be completed within [Redacted] business days of the note date. This requirement was not met. Exception remains<br>Buyer Comment (2025-11-14): Paystubs prior to close show [Redacted]was employed and VVOE can be done up to delivery.<br>Reviewer Comment (2025-11-12): VVOE - Employment Only was received after the note date. Verification of Employment does not meet the requirement of being within [Redacted] business days of the note date. Exception remains<br>Buyer Comment (2025-11-10): See docs provided | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 36878 |  |  |  | 35306958 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Personal Bank Statement for [Redacted] for [Redacted], Account # [Redacted]. Missing verification of the existence of the Business within [Redacted] Days Prior to the Note Date. |  |  |  | Reviewer Comment (2025-12-03): Received and associated verification of business showing status as 'active' dated on [Redacted]/[Redacted]. Exception cleared.<br>Buyer Comment (2025-12-01): Lender has reprinted State of [Redacted] docs - it didn't date stamp it the [Redacted]time. Please see docs provided. Verification can be done up to delivery. | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306959 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing Personal Bank Statement for [Redacted] for [Redacted], Account # [Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-04): docs uploaded<br>Reviewer Comment (2025-12-03): [Redacted] bank statement account ending # [Redacted] is not available in file. Please provide the bank statement from the account ending # [Redacted]. Excepion remains.<br>Buyer Comment (2025-12-01): This account was not used to qualify income, please clear | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to[Redacted] within [Redacted] business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to [Redacted]'s consent to receive electronic disclosures. Failure to comply with the provisions of the [Redacted] Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided without or prior to [Redacted]'s consent to receive electronic disclosures. [Redacted] consent agreement was executed on[Redacted] |  |  |  | Reviewer Comment (2025-11-28): [Redacted]received updated [Redacted] Consent agreement with eConsent accepted by [Redacted]on Redacted].<br>Buyer Comment (2025-11-25): see attached econsent agreement for [Redacted] | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306963 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing verification of the existence of the Business within [Redacted] Days Prior to the Note Date. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-03): See docs provided - also see condition ending [Redacted] that was cleared with the same documents.<br>Buyer Comment (2025-12-03): See docs provided - also see condition ending [Redacted]that was cleared with the same documents. | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306964 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing [Redacted] party verification of business dated within[Redacted]days prior to the Note date and missing [Redacted]business bank statement, used in income calculations. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 36878 |  |  |  | 35306965 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay ([Redacted]): Unable to verify current employment status using reasonably reliable [Redacted] - party records. | Missing [Redacted] party verification of business dated within[Redacted]days prior to the Note date |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306966 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing [Redacted] party verification of business dated within[Redacted]days prior to the Note date and missing [Redacted]business bank statement, used in income calculations. |  |  |  | Reviewer Comment (2025-12-03): Received and associated verification of business showing status as 'active' dated on [Redacted]/[Redacted]. Exception cleared. | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 36878 |  |  |  | 35306968 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([Redacted]): General Ability-to-Repay requirements not satisfied. | Missing [Redacted] party verification of business dated within[Redacted]days prior to the Note date and missing [Redacted]business bank statement, used in income calculations. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 86696 |  |  |  | 35306973 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing |  | 11/20/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 86696 |  |  |  | 35306974 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Verification of the Business within [Redacted] days prior to the note date. |  |  |  | Reviewer Comment (2025-12-01): Received and associated [Redacted] Party Verification of business. Exception cleared.<br>Buyer Comment (2025-11-26): [Redacted]<br>Buyer Comment (2025-11-26): CPA | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 86696 |  |  |  | 35306975 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk due to missing income documentation. Missing Verification of the Business within [Redacted] days prior to the note date. |  |  |  | Reviewer Comment (2025-12-01): Received and associated [Redacted] Party Verification of business. Exception cleared.<br>Buyer Comment (2025-11-26): [Redacted]and [Redacted] uploaded to [Redacted]<br>Buyer Comment (2025-11-26): CPA uploaded to [Redacted] | 12/01/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 86696 |  |  |  | 35306976 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. Missing Verification of the Business within [Redacted] days prior to the note date. |  |  |  | Reviewer Comment (2025-12-01): Received and associated [Redacted] Party Verification of business. Exception cleared.<br>Buyer Comment (2025-11-26): [Redacted]and [Redacted] uploaded to [Redacted]<br>Buyer Comment (2025-11-26): CPA uploaded to [Redacted] | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 49322 |  |  |  | 35306981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing twelve month primary residence pay history. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] Month payment history was provided.<br>Buyer Comment (2025-11-25): See docs provided | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 43347 |  |  |  | 35306993 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed amount Financed was $[Redacted] . Calculated amount Financed is $[Redacted] . Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-11): Received confirmation Tax Cert is one-time fee.<br>Buyer Comment (2025-12-10): Per lender: Per [Redacted] - the tax and municipal fee is a[Redacted] time fee. Does not include [Redacted].<br>Reviewer Comment (2025-12-05): Please confirm tax certificate fee is for[Redacted] time upfront tax determination and does not include [Redacted] services to determine if excludable from finance charges. While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under [Redacted], any portion of a charge for [Redacted] tax service is considered a finance charge. Without documentation evidencing which portion is for [Redacted] vs.[Redacted] time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment [Redacted] which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-12-04): Per lender: The tax cert fee is like a title search and that should not be counted in [Redacted] . | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 43347 |  |  |  | 35306994 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge of $[Redacted] . Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-12-11): Received confirmation Tax Cert is one-time fee.<br>Buyer Comment (2025-12-10): Per lender: Per [Redacted] - the tax and municipal fee is a[Redacted] time fee. Does not include [Redacted]. | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 40185 |  |  |  | 35306998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No [Redacted] Paid Fees Primary Residence [Redacted] Lien | TRID Final Closing Disclosure [Redacted] on a [Redacted] lien purchase transaction did not disclose any [Redacted] paid fees/charges on Page [Redacted] | No [Redacted] Paid Fees Primary Residence [Redacted] Lien |  |  |  | Reviewer Comment (2025-12-12): [Redacted]received the [Redacted] CD with [Redacted] paid closing costs.<br>Buyer Comment (2025-12-10): see attached [Redacted] CD<br>Reviewer Comment (2025-12-04): [Redacted]received CD dated [Redacted] which is already in file for review. Please provide [Redacted] CD to verify the fees paid by [Redacted] at closing.<br>Buyer Comment (2025-12-03): See docs provided | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 40185 |  |  |  | 35306999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | A valid [Redacted]for the fee increase was not provided. |  |  |  | Reviewer Comment (2025-12-17): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-16): tracking shows it was delivered on [Redacted] [Redacted] - please clear<br>Reviewer Comment (2025-12-12): [Redacted]received corrected [Redacted], LOE, Copy of refund check and shipping label. However, [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-12-11): see attached [Redacted] docs |  | 12/17/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 40185 |  |  |  | 35307000 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | FICO score of [Redacted]is less than Guideline representative FICO score of [Redacted]. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] months housing history provided, exception cleared.<br>Reviewer Comment (2025-12-19): Received 1003 and VOR. The 1003 indicates that the [Redacted]has not owned any property within the past[Redacted]years and has been renting for more than[Redacted]years. There is no property history showing prior ownership; therefore, the [Redacted]qualifies as a [Redacted] [Redacted] ([Redacted]). The minimum credit score requirement for [Redacted] is [Redacted] . However, the [Redacted]'s FICO score does not meet the guideline requirements. Exception remains.<br>Buyer Comment (2025-12-17): See [Redacted] months housing history- [Redacted] restrictions do not apply<br>Reviewer Comment (2025-12-02): Minimum credit score for [Redacted] is [Redacted] , exception remains.<br>Buyer Comment (2025-11-28): Guidelines allow [Redacted] credit score. | 12/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 62103 |  |  |  | 35307003 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-12-04): Documentation provided.<br>Buyer Comment (2025-12-02): [Redacted]/LE [Redacted] | 12/04/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30242 |  |  |  | 35307006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will [Redacted] occupy: ___ | Final 1003 section [Redacted]indicates subject is to be a primary residence while Redacted]indicates it is [Redacted] Home. |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-02): see attached updated 1003<br>Reviewer Comment (2025-12-02): Provide a corrected final 1003.<br>Buyer Comment (2025-11-28): See doc uploaded | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30242 |  |  |  | 35307007 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will [Redacted] occupy: ___ | Final 1003 section [Redacted]indicates subject is to be a primary residence while Redacted]indicates it is [Redacted] Home. |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-02): see [Redacted]upload | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 30242 |  |  |  | 35307010 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing |  | 11/25/2025 |  | 1 A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 30242 |  |  |  | 35307011 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing |  | 11/25/2025 |  | 1 A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64573 |  |  |  | 35307015 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-03): Docs provided. | 12/03/2025 |  |  | 1 A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64573 |  |  |  | 35307016 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-03): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-12-02): see attached title | 12/03/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 73516 |  |  |  | 35307019 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-03): See docs provided | 12/05/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 73516 |  |  |  | 35307021 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for condo with shared amenities. Approval in file. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted]months PITIA or more.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approval in file with comp factors cited. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-01): Exception approval in file with comp factors cited. |  |  | 12/01/2025 | 2 B |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 95788 |  |  |  | 35307028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-02): Sufficient Cure Provided At Closing |  | 12/02/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 62440 |  |  |  | 35307035 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | Recording Fee increased on Closing Disclosure issued on [Redacted]and again on [Redacted] with no valid change or cure evident. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]received Corrected [Redacted], Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-12-14): TRID cure docs |  | 12/15/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 18745 |  |  |  | 35307039 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-02): Sufficient Cure Provided At Closing |  | 12/02/2025 |  | 1 A |  | [Redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 16175 |  |  |  | 35307042 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-09): Provided valid [Redacted] Consent agreement<br>Buyer Comment (2025-12-08): see attached econsent | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 16175 |  |  |  | 35307045 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Closing Disclosure not provided to [Redacted] at least [Redacted]business days prior to closing. |  |  |  | Reviewer Comment (2025-12-09): [Redacted]received [Redacted]CD<br>Buyer Comment (2025-12-08): see attached CD | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
|  | 16175 |  |  |  | 35307046 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-11): [Redacted]received [Redacted]dated [Redacted] days.<br>Buyer Comment (2025-12-09): [Redacted] | 12/11/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 16175 |  |  |  | 35307047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-20): shows scheduled to be delivered Sunday- please clear<br>Reviewer Comment (2025-12-18): [Redacted]received Post CD,LOX,Copy of refund check and proof of mailing. However, we would require corrected CD with lender credit of $[Redacted underSection [Redacted] and also [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-12-18): Cure requirements LOE, corrected CD, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-12-11): [Redacted]received [Redacted]dated [Redacted] days but the reason provided for increase in appraisal fee due to need of CDA is not sufficient. Please provide more information as to why the CDA was needed while the 1004- appraisal form was received on [Redacted] . Please provide information as to what changed circumstance occurred (as defined under[Redacted] that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-12-09): [Redacted] |  | 12/22/2025 |  | 2 C B |  | [Redacted] | 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 |
|  | 90401 |  |  |  | 35307049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Upon further review consumer within [Redacted]% tolerance requirements.<br>Buyer Comment (2025-12-08): See docs provided | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 90401 |  |  |  | 35307052 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence/proof of payments that the [Redacted] is not responsible for this debt of the [Redacted]property as the mortgage is reporting on [Redacted]s credit report and shows she is on title. Need to see the payments prior to the recent refinance paperwork in file. |  |  |  | Reviewer Comment (2025-12-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-08): See docs provided | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 18971 |  |  |  | 35307059 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification document not provided |  |  |  | Reviewer Comment (2025-12-11): Received and associated CPA Verification. Exception Cleared<br>Buyer Comment (2025-12-09): CPA Verification | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 18971 |  |  |  | 35307063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | QM risk, due to missing [Redacted] licencing verification |  |  |  | Reviewer Comment (2025-12-11): Received and associated CPA Verification. Exception Cleared<br>Buyer Comment (2025-12-09): CPA uploaded to [Redacted] | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 18971 |  |  |  | 35307064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation risk, due to missing [Redacted] licencing verification |  |  |  | Reviewer Comment (2025-12-11): Received and associated CPA Verification. Exception Cleared<br>Buyer Comment (2025-12-09): CPA Verification | 12/11/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 18971 |  |  |  | 35307065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] [Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted][Redacted] plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-17): [Redacted]received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-12-16): Docs uploaded<br>Reviewer Comment (2025-12-16): [Redacted]received corrected [Redacted] moving the notary fee from Section [Redacted]to but missing LOE to accompanying CD.<br>Buyer Comment (2025-12-12): See docs provided | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 98738 |  |  |  | 35307070 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file is missing a copy of Note. |  |  |  | Reviewer Comment (2025-12-12): The subject Note was provided.<br>Buyer Comment (2025-12-12): note<br>Reviewer Comment (2025-12-12): The [Redacted] and [Redacted] pages of the Note - Subject Lien are missing. Please provide the complete set of pages for the Note - Subject Lien. Exception remains.<br>Buyer Comment (2025-12-10): Note | 12/12/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
|  | 98738 |  |  |  | 35307071 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file is missing a copy of Security instrument |  |  |  | Reviewer Comment (2025-12-12): Received and associated Security Instrument - Subject Lien. Exception Cleared<br>Buyer Comment (2025-12-10): Deed of trust<br>Buyer Comment (2025-12-10): DOT | 12/12/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
|  | 98738 |  |  |  | 35307074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted]not received by [Redacted] at least[Redacted]business days prior to closing. | Revised Loan Estimate provided on [Redacted]not received by [Redacted] at least[Redacted]business days prior to closing. |  |  |  | Reviewer Comment (2025-12-11): [Redacted]received revised LE.<br>Buyer Comment (2025-12-10): le | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 98738 |  |  |  | 35307075 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | [Redacted]: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-12-12): The NORTC was provided.<br>Buyer Comment (2025-12-10): Notice of Right to Cancel | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Non QM | Non QM | Yes |
|  | 69790 |  |  |  | 35307091 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative is missing in file. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Business Narrative. Exception cleared.<br>Buyer Comment (2025-12-16): See attached Business Narrative | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69790 |  |  |  | 35307092 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-12-19): Received and associated Approval. Exception cleared.<br>Buyer Comment (2025-12-18): approval uploaded | 12/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 69790 |  |  |  | 35307094 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. Business Narrative is missing in file. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Business Narrative. Exception cleared. | 12/17/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 69790 |  |  |  | 35307096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. Business Narrative is missing in file. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Business Narrative. Exception cleared. | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 91624 |  |  |  | 35307100 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file. Self-employment history for both [Redacted]s. They have [Redacted] months operating under the corporation, but business itself has been in operation several years. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-16): The client elects to waive. |  |  | 12/16/2025 | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 58932 |  |  |  | 35307103 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-15): Sufficient Cure Provided At Closing |  | 12/15/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 54136 |  |  |  | 35307108 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing verification of [Redacted]'s percentage of business ownership. |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-19): See docs provided | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 54136 |  |  |  | 35307109 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV for [Redacted] self-employed less than [Redacted] is [Redacted], lender exception in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-18): Lender exception in file. |  |  | 12/18/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 54136 |  |  |  | 35307110 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV for [Redacted] self-employed less than [Redacted] is [Redacted], lender exception in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-18): Lender exception in file. |  |  | 12/18/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 86852 |  |  |  | 35307116 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] months housing history provided, [Redacted] months required, lender exception in file. | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | $[Redacted]K residual income<br>[Redacted]months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-22): Lender exception in file. |  |  | 12/22/2025 | 2 B |  | [Redacted] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 40132 |  |  |  | 35307119 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-12-09): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-05): VOE | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 17474 |  |  |  | 35307128 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received and associated Business purpose certificate. Exception cleared.<br>Buyer Comment (2025-11-21): Document provided is Business Purpose Certificate. See item # [Redacted] and Pg. [Redacted]<br>Reviewer Comment (2025-11-19): Received [Redacted]affidavit certification document but required Business Purpose Certificate. Exception remains.<br>Buyer Comment (2025-11-17): See docs provided | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 36267 |  |  |  | 35307129 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-11-18): Received and associated 1003 Final. Exception cleared<br>Buyer Comment (2025-11-14): See docs provided | 11/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 36267 |  |  |  | 35307130 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | 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 (2025-11-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-17): See docs provided | 11/19/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 17146 |  |  |  | 35307132 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Please provide a fully executed (or stamped) Final [Redacted]. |  |  |  | Reviewer Comment (2025-11-26): The Final HUD was provided.<br>Buyer Comment (2025-11-24): HUD | 11/26/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 42984 |  |  |  | 35307134 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file is missing a copy of the Business Purpose Certificate |  |  |  | Reviewer Comment (2025-11-28): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-11-25): see attached business purpose cert | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 42984 |  |  |  | 35307135 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-12-04): Received and associated Guarantor Agreement. Exception Cleared<br>Buyer Comment (2025-12-03): see docs provided | 12/04/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 82409 |  |  |  | 35307138 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for investor living rent free. Max [Redacted]% LTV and a pricing hit applied to loan. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-28): The client elects to waive.<br>Buyer Comment (2025-11-25): exception was approved. Please clear. |  |  | 11/28/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 81083 |  |  |  | 35307141 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Missing Fraud Report |  |  |  | Reviewer Comment (2025-11-28): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-11-26): uploaded fraud report<br>Buyer Comment (2025-11-26): fraud report | 11/28/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 47808 |  |  |  | 35307143 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-12-02): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-11-28): Was in file on [Redacted]<br>Buyer Comment (2025-11-28): This should have in the file with you it was uploaded to [Redacted] portal on [Redacted]<br>Buyer Comment (2025-11-28): Fraud report | 12/02/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 63729 |  |  |  | 35307145 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-02): see attached CDA | 12/04/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 30345 |  |  |  | 35307150 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for proof of [Redacted]'s landlord history. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-01): The client elects to waive. |  |  | 12/01/2025 | 2 B |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 70323 |  |  |  | 35307155 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal in file states the subject property is occupied. Lease agreement (s) not provided. Supplemental appraisal addendum states [Redacted] leases were provided by the [Redacted]/lender. Appraiser concluded the subject functions as a single-family dwelling and is not separated into separate units. |  |  |  | Reviewer Comment (2025-12-11): Received and associated Lease Agreement. Exception Cleared<br>Buyer Comment (2025-12-09): Lease Agreement | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 70323 |  |  |  | 35307156 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Business Loan Rider, as indicated on the Security Instrument, was not provided. |  |  |  | Reviewer Comment (2025-12-15): Received and associated Business Loan Rider. Exception Cleared.<br>Buyer Comment (2025-12-12): docs uploaded | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 70323 |  |  |  | 35307157 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [Redacted]Status not provided |  | [Redacted] has indicated Permanent Resident [Redacted] status on Final 1003. An image of a current Permanent Resident [Redacted] card was not provided. |  |  |  | Reviewer Comment (2025-12-11): Received and associated Resident [Redacted]Card. Exception Cleared<br>Buyer Comment (2025-12-09): Prem Res card | 12/11/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 58326 |  |  |  | 35307162 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-12-10): Received and associated Note - Subject Lien. Exception Cleared<br>Buyer Comment (2025-12-08): Uploaded Note<br>Buyer Comment (2025-12-08): Note | 12/10/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 17691 |  |  |  | 35307165 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-12-10): Received and associated 1031 Exchange and explanation letter. Exception cleared.<br>Buyer Comment (2025-12-08): see uploaded docs [Redacted]& [Redacted] | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 17691 |  |  |  | 35307166 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-12-10): Received and associated 1031 Exchange and explanation letter. Exception cleared.<br>Buyer Comment (2025-12-08): see uploaded docs [Redacted] | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 17691 |  |  |  | 35307167 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-12-10): Received and associated 1031 Exchange and explanation letter. Exception cleared.<br>Buyer Comment (2025-12-08): see uploaded docs [Redacted]<br>Buyer Comment (2025-12-08): letter from [Redacted] re: [Redacted] balance | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 17691 |  |  |  | 35307168 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From [Redacted]. |  | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-12-10): Received and associated 1031 Exchange and explanation letter. Exception cleared.<br>Buyer Comment (2025-12-08): \*<br>Buyer Comment (2025-12-08): Letter showing [Redacted] : [Redacted] (proceeds [Redacted]) - [Redacted]. (final CD) = [Redacted]to [Redacted]after casg to close, in addition to [Redacted] [Redacted]acct, both funds to close & reserves are met.<br>Buyer Comment (2025-12-08): 1031 exchange Seller's final settlement statement & 1031 docs | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 90203 |  |  |  | 35307170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | . |  |  |  | Reviewer Comment (2025-12-10): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-12-09): Business Purpose Certificate | 12/10/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 67649 |  |  |  | 35307172 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-15): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-12-12): buss cert<br>Reviewer Comment (2025-12-10): Document is not available in the file. Kindly provide the Business Purpose Certificate. Exception remains.<br>Buyer Comment (2025-12-09): Document located in file | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 93482 |  |  |  | 35307174 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rent free letter from owner of current primary residence. LOE in file is from [Redacted]. |  |  |  | Reviewer Comment (2025-12-15): An LOE was provided.<br>Buyer Comment (2025-12-14): lox from [Redacted] | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 10719 |  |  |  | 35307176 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-12-17): Received and associated borrowing certificate for [Redacted]Exception cleared.<br>Buyer Comment (2025-12-15): and LOX - [Redacted]<br>Buyer Comment (2025-12-15): see attached [Redacted]certificate | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 52271 |  |  |  | 35307180 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file is missing a copy of Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-12-15): uploaded to [Redacted]<br>Buyer Comment (2025-12-15): BUSINESS PURPOSE | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 52271 |  |  |  | 35307181 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider -[Redacted] Family not provided |  | The file is missing a copy of Rider -[Redacted] Family. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Rider - [Redacted]family. Exception cleared.<br>Buyer Comment (2025-12-15): uploaded to [Redacted]<br>Buyer Comment (2025-12-15): Rider - [Redacted] Family | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 76761 |  |  |  | 35307184 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2025-12-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-15): Insurance [Redacted]in file<br>Buyer Comment (2025-12-15): See insurance [Redacted]attached | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 11467 |  |  |  | 35307188 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is provided for 'title seasoning" is approved. | The representative FICO score exceeds the guideline minimum by at least[Redacted]points.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-12-16): The client elects to waive. |  |  | 12/16/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 80193 |  |  |  | 35307191 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The file is missing a copy of the Closing Protection Letter. |  |  |  | Reviewer Comment (2025-12-22): Received and associated Closing Protection Letter. Exception Cleared<br>Buyer Comment (2025-12-18): docs uploaded | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 80193 |  |  |  | 35307192 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file is missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-12-22): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-12-18): buss cert | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 80193 |  |  |  | 35307193 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for conflict of interest is approved. [Redacted] is representing herself as the selling agen in the transaction. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | SitusAMC,Aggregator | Reviewer Comment (2025-12-16): The client elects to waive. |  |  | 12/16/2025 | 2 B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 35454 |  |  |  | 35342092 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Given for Master Policy Insures roofs older than [Redacted] years old at actual cash value instead of full replacement cost. This project is mainly Transient use project. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-07): The Client elects to Waive |  |  | 01/07/2026 | 2 B |  | [Redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 15536 |  |  |  | 35359907 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-11-24): CDA provided.<br>Buyer Comment (2025-11-20): cda<br>Reviewer Comment (2025-11-18): Received [Redacted] does not support the value used to qualify. Please Provide [Redacted]Valuation required for Securitization purposes. Exception remains.<br>Buyer Comment (2025-11-14): [Redacted] | 11/24/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15536 |  |  |  | 35359908 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted][Redacted] is less than the note amount of $[Redacted][Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-11-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-14): see attached updated title | 11/18/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15536 |  |  |  | 35359911 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] |  |  |  | Reviewer Comment (2025-12-16): [Redacted]received [Redacted], LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-12-15): correct tracking and cure docs<br>Reviewer Comment (2025-12-15): Courier does not yet show the remediation package enroute. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of [Redacted] to complete cure. Further, the [Redacted] must allow the [Redacted]three days to cancel the transaction from date of delivery.<br> New follow up-date is set.<br>Buyer Comment (2025-12-12): per lendr:Here is that [Redacted] ICD with the [Redacted] [Redacted]and Tracking Summary. <br>The [Redacted] at [Redacted]PM was the CD sent to the title company to balance and was the [Redacted]% [Redacted] . Changes were then done to the loan and the ICD [Redacted] with [Redacted]% [Redacted]sent to bor was at [Redacted] pm.<br>Buyer Comment (2025-12-12): per lendr:Here is that [Redacted] ICD with the [Redacted] [Redacted]and Tracking Summary. <br>The [Redacted] at [Redacted] PM was the CD sent to the title company to balance and was the [Redacted]% [Redacted] . Changes were then done to the loan and the ICD [Redacted] with [Redacted]% [Redacted]sent to bor was at [Redacted] pm. |  | 12/16/2025 |  | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 15536 |  |  |  | 35359912 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] |  |  |  | Reviewer Comment (2025-12-16): [Redacted]received [Redacted], LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-12-15): correct tracking and cure docs<br>Reviewer Comment (2025-12-15): Courier does not yet show the remediation package enroute. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of [Redacted] to complete cure. Further, the [Redacted] must allow the [Redacted] [Redacted] days to cancel the transaction from date of delivery.<br> New follow up-date is set.<br>Buyer Comment (2025-12-14): trid cure docs |  | 12/16/2025 |  | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 15536 |  |  |  | 35359913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[Redacted] contains a change in APR and a complete Closing Disclosure was not received by [Redacted] at least [Redacted] business days prior to consummation |  |  |  |  | Reviewer Comment (2025-12-12): An Attestation from the Lender stating the initial CD never went to the [Redacted]it went to the title company to balance. Later the same day another CD with the correct [Redacted]was sent to the [Redacted].<br>Reviewer Comment (2025-11-17): [Redacted]changed more than . [Redacted] % on the [Redacted] CD. [Redacted] was the deadline to received changes for a [Redacted] close date. While the [Redacted]decreased the finance charge increased. the [Redacted]disclosed on [Redacted] decreased as a result of the increase in loan amount and this resulted in the previously disclosed [Redacted]of [Redacted]% to decrease beyond the . [Redacted] tolerance for accuracy under [Redacted] and because the decrease does not correspond to an overstated finance charge, the [Redacted]is not considered accurate under [Redacted] which in turn triggers the additional [Redacted] day waiting period requirement under [Redacted] applicable when a previously disclosed [Redacted]"becomes inaccurate" as defined under [Redacted].<br>Buyer Comment (2025-11-14): see attached [Redacted]and disclosure tracking | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15536 |  |  |  | 35359914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | No reason provided. |  |  |  | Reviewer Comment (2025-12-16): [Redacted]received [Redacted].<br>Reviewer Comment (2025-12-15): [Redacted]As Stated earlier, provided LOE does not specify the changes made related to escrow account section on page [Redacted]. Please provide updated LOE specifying the changes.<br>Buyer Comment (2025-12-15): correct tracking and cure docs<br>Reviewer Comment (2025-12-14): [Redacted]Received Corrected [Redacted] and LOE; however, LOE does not specify the changes made on [Redacted] related escrow account section. Please provide updated LOE.<br>Buyer Comment (2025-12-14): trid cure docs uploaded |  | 12/16/2025 |  | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 15536 |  |  |  | 35359915 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | Fee added or increased without a valid COC, no cure provided. |  |  |  | Reviewer Comment (2025-12-15): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-15): correct tracking and cure docs<br>Reviewer Comment (2025-12-14): [Redacted]received [Redacted], LOE, Refund Check and Proof of Mailing. [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-12-14): trid cure docs uploaded<br>Reviewer Comment (2025-11-17): Receipt of a higher invoice is not a reason for a fee increase. The lender is required to exercise due diligence when providing fee estimates. Please provide information as to why the fee was under-estimated that the lender could not have known about at the time of initial disclosure.<br>Buyer Comment (2025-11-14): see attached [Redacted]For the mentioned changes |  | 12/15/2025 |  | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 62831 |  |  |  | 35359917 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-21): Documentation provided; exception cleared.<br>Reviewer Comment (2025-11-20): Received [Redacted] / [Redacted]do not meet [Redacted] . Please provide [Redacted]valuation required for securitization purposes. Exception remains.<br>Buyer Comment (2025-11-18): [Redacted] uploaded<br>Buyer Comment (2025-11-18): [Redacted] /$[Redacted] | 11/21/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 62831 |  |  |  | 35359918 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-11-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-19): title | 11/21/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 62831 |  |  |  | 35359920 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan is failing QM points and fees. Please provide the undiscounted rate and undiscounted price. |  |  |  | Reviewer Comment (2025-12-05): Docs provided.<br>Reviewer Comment (2025-12-02): Please clarify what the undiscounted rate and undiscounted price is.<br>Buyer Comment (2025-11-28): see [Redacted]<br>Reviewer Comment (2025-11-21): Provide the undiscounted rate and undiscounted price.<br>Buyer Comment (2025-11-19): rate info | 12/05/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 62831 |  |  |  | 35359921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage [Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). | The loan is failing QM points and fees. Please provide the undiscounted rate and undiscounted price. |  |  |  | Reviewer Comment (2025-12-05): Docs provided.<br>Buyer Comment (2025-12-04): rate stack<br>Reviewer Comment (2025-12-02): Please clarify what the undiscounted rate and undiscounted price is.<br>Buyer Comment (2025-11-28): rate stack<br>Reviewer Comment (2025-11-21): Provide the undiscounted rate and undiscounted price.<br>Buyer Comment (2025-11-19): see [Redacted] | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 62831 |  |  |  | 35359922 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] supports value. Vendor/FSD do not meet Fitch criteria. Sec [Redacted] |  |  | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-09): CDA provided.<br>Reviewer Comment (2026-01-07): The client accepts as is. | 01/09/2026 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 26506 |  |  |  | 35359924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. | Closing Disclosure not provided to[Redacted] at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-11-24): [Redacted]received CDs dated [Redacted] and [Redacted]<br>Buyer Comment (2025-11-22): docs uploaded | 11/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 26506 |  |  |  | 35359926 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Verification of Tax Verification for the[Redacted] |  |  |  | Reviewer Comment (2025-11-25): Received and associated Tax verification. Exception cleared.<br>Buyer Comment (2025-11-22): docs uploaded | 11/25/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 26506 |  |  |  | 35359927 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | COCs provided for CD dated [Redacted] is for rate lock extension while the [Redacted]dated [Redacted] shows the rate has changed but as per CDs the rate was changed on [Redacted] CD. Please provide correct [Redacted]for correct changes. |  |  |  | Reviewer Comment (2025-12-04): [Redacted]received a valid [Redacted].<br>Buyer Comment (2025-12-03): [Redacted]lock extension<br>Buyer Comment (2025-12-03): [Redacted]for rate change | 12/04/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 60430 |  |  |  | 35359928 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing HOA, Insurance, and Tax Verifications |  |  |  | Reviewer Comment (2025-12-12): Received and associated tax verification, Insurance Verification and HOA Verification for the property [Redacted]Exception Cleared.<br>Buyer Comment (2025-12-10): [Redacted] : [Redacted] hazard policy higher amount used : Annual -[Redacted]/ [Redacted]= $[Redacted]- Taxes Annual - [Redacted]/ [Redacted]= $[Redacted]HOA - $[Redacted]/ qtr - [Redacted]\* [Redacted]= [Redacted]annual [Redacted]/ [Redacted]= $[Redacted]/mth +[Redacted]+[Redacted]= $[Redacted]- which matches 1003. Please let me know Thanks<br>Reviewer Comment (2025-12-04): Received and associated REO documents hazard insurance, tax verification, HOA verification, based on 1003 expenses reported $[Redacted] . Please provide the proof of expenses for the remaining expenses $[Redacted]Exception remains.<br>Buyer Comment (2025-12-02): docs uploaded | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 24604 |  |  |  | 35359930 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage statement or other documentation to verify monthly payment amount. Property is a new purchase. |  |  |  | Reviewer Comment (2025-12-01): Received Final Closing Disclosure for REO property and P&I verified. Exception Cleared.<br>Buyer Comment (2025-11-28): Note and CD uploaded<br>Buyer Comment (2025-11-28): [Redacted] | 12/01/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359934 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359935 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-04): Please correct loan amount to $[Redacted]. Supporting docs were uploaded on[Redacted]<br>Reviewer Comment (2025-12-04): The final title policy reflect $[Redacted].<br>Buyer Comment (2025-12-02): Please correct loan amount to $[Redacted]. Supporting docs attached | 12/05/2025 |  |  | 1 B A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment -[Redacted] | Ability to Repay ([Redacted]): Unable to verify current Wages/[Redacted] lien employment status using reasonably reliable [Redacted] - party records. | The file is missing a copy of VVOE. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359937 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment -[Redacted] | Ability to Repay ([Redacted]): Unable to verify current Wages/[Redacted] lien employment status using reasonably reliable [Redacted] - party records. | The file is missing a copy of VVOE. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-04): The Corrected Note date was [Redacted] which is after the VOE was completed on[Redacted]<br>Reviewer Comment (2025-12-04): Employment documentation obtained post consummation cannot be considered for ATR employment status testing.<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359938 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([Redacted]): General Ability-to-Repay requirements not satisfied. | [Redacted] finding due to missing VVOE for both [Redacted]s dated within [Redacted] days of closing. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359939 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Closing Disclosure Fees Lesser than Final Closing Disclosure [Redacted] Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the [Redacted] Closing Disclosure are less than the [Redacted] Paid fees disclosed on the Consumer's Final Closing Disclosure. | [Redacted] CD contained fees not reflected on the consumer's CD. |  |  |  | Reviewer Comment (2025-12-05): Documentation provided; exception cleared. | 12/05/2025 |  |  | 1 A |  | [Redacted] | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure A | N/A | N/A | Yes |
|  | 33585 |  |  |  | 35359940 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted] days of the Note. |  | The verification of employment is not within [Redacted] days of the Note. |  |  |  | Reviewer Comment (2025-12-03): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359941 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted] days of the Note. |  | The verification of employment is not within [Redacted] days of the Note. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359942 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-12-03): Received and associated VVOE - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359943 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359944 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | [Redacted] finding due to missing VVOE for both [Redacted]s dated within [Redacted] days of closing. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only and VVOE - Employment Only for both [Redacted]'s. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the [Redacted]'s ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redacted] finding due to missing VVOE for both [Redacted]s dated within [Redacted] days of closing. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only and VVOE - Employment Only for both [Redacted]s. Exception Cleared<br>Buyer Comment (2025-12-02): Uploaded to Exception [Redacted] | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 33585 |  |  |  | 35359946 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment dated within [Redacted] days of closing date for both [Redacted]s. |  |  |  | Reviewer Comment (2025-12-03): Received and associated The Work Number - Employment Only and VVOE - Employment Only for both [Redacted]'s. Exception Cleared<br>Buyer Comment (2025-12-02): VOE for both [Redacted]'s | 12/03/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A | N/A | N/A | No |
|  | 82096 |  |  |  | 35359951 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | [Redacted]valuation not provided |  |  |  | Reviewer Comment (2025-12-12): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-12-10): See attached CDA | 12/12/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 34847 |  |  |  | 35359956 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-12-08): Provided Valid [Redacted] supporting value<br>Buyer Comment (2025-12-05): [Redacted] | 12/08/2025 |  |  | 1 D A |  | [Redacted] | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 34847 |  |  |  | 35359958 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. cure was provided to the [Redacted] on final CD |  |  |  | Reviewer Comment (2025-12-03): Sufficient Cure Provided At Closing |  | 12/03/2025 |  | 1 A |  | [Redacted] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 89621 |  |  |  | 35359962 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of [Redacted] (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of [Redacted] |  |  |  | Reviewer Comment (2025-12-10): Client restated loan designation to<br>Buyer Comment (2025-12-10): accept as is<br>Buyer Comment (2025-12-10): Please accept as-is <br> From:[Redacted] <[Redacted]> <br> Sent: [Redacted], [Redacted][Redacted], [Redacted] [Redacted] PM<br> To: [Redacted] <[Redacted]>; [Redacted] <[Redacted]><br> Cc: [Redacted] <[Redacted]><br> Subject: RE: Data Tape Correction - [Redacted]Condition....[Redacted][Redacted]<br>We will have to accept as is<br>Reviewer Comment (2025-12-09): The loan designation came over on the tape from [Redacted]as [Redacted] (APOR). Let us know if you want to restate the loan designation to [Redacted](APOR).<br>Buyer Comment (2025-12-05): \*<br>Buyer Comment (2025-12-05): Attached please find lender's compliance report that does not show [Redacted] . Please let us know where the [Redacted] alert is or clear. Thanks | 12/10/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 89621 |  |  |  | 35359963 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  | Reviewer Comment (2025-12-03): Sufficient Cure Provided At Closing |  | 12/03/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 89621 |  |  |  | 35359964 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of [Redacted] (APOR) matches the Due Diligence Loan Designation of [Redacted] (APOR). | Client restated loan designation to |  |  |  | Reviewer Comment (2025-12-10): Client accepts as is. |  |  | 12/10/2025 | 2 A B |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 98478 |  |  |  | 35359966 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | [Redacted]valuation is missing. |  |  |  | Reviewer Comment (2025-12-12): Received [Redacted]valuation [Redacted] with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-12-10): [Redacted]<br>Reviewer Comment (2025-12-10): Please provide [Redacted]Valuation required for Securitization purposes. Exception remains<br>Buyer Comment (2025-12-09): uploaded<br>Buyer Comment (2025-12-08): \*<br>Buyer Comment (2025-12-08): [Redacted]/[Redacted][Redacted]Yr Fixed Primary, non-del, where appraisal was not transferred, the [Redacted]valuation not required. | 12/12/2025 |  |  | 1 D A |  | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 98478 |  |  |  | 35359968 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-12-04): Sufficient Cure Provided At Closing |  | 12/04/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 81514 |  |  |  | 35359977 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Documented Hazard Policy Coverage amount of $[Redacted][Redacted]. Replacement cost estimator value in file of $[Redacted]. Policy Coverage shortfall of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received and associated Letter of explanation for Hazard Insurance. Exception Cleared<br>Buyer Comment (2025-12-05): See docs provided - | 12/09/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 81514 |  |  |  | 35359978 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting [Redacted]valuation is missing. Sec [Redacted] |  |  |  |  |  | Reviewer Comment (2025-12-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-02): See attached | 12/04/2025 |  |  | 1 D A B C |  | [Redacted] | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 81514 |  |  |  | 35359979 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a [Redacted] and has not been inspected. |  | The property is located in [Redacted]. Provide a post-disaster inspection verifying there was no damage. Disaster End Date: [Redacted] |  |  |  | Reviewer Comment (2025-12-16): A PDI was provided with no visible damage.<br>Buyer Comment (2025-12-10): see attached inspection<br>Reviewer Comment (2025-12-04): Appraisals provided are not for this property.<br>Buyer Comment (2025-12-01): See attached | 12/16/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 81514 |  |  |  | 35359980 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. [Redacted]Valuation supports value. Sec [Redacted] | Note Date: ___; Lien Position: ___ |  | [Redacted]has been employed in the same industry for more than[Redacted]years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-16): The client accepts as is. |  |  | 12/16/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 92357 |  |  |  | 35359981 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of HOA Document of property [Redacted] |  |  |  | Reviewer Comment (2025-12-05): Docs provided<br>Buyer Comment (2025-12-03): See attached | 12/05/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 10993 |  |  |  | 35359983 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-17): Received [Redacted]valuation [Redacted] with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-12-16): See attached [Redacted]<br>Buyer Comment (2025-12-14): [Redacted] | 12/17/2025 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 29926 |  |  |  | 35477019 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | [Redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [Redacted] form was used, the[Redacted] form should have been used. |  |  |  |  | Reviewer Comment (2026-01-30): Cure documentation received.<br>Seller Comment (2026-01-28): Please see attached LOX to borrowers, H-9 right to cancel and [Redacted] for reopened rescission. |  | 01/30/2026 |  | 2 B |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
|  | 24851 |  |  |  | 35447401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by [Redacted] at least[Redacted]business days prior to closing. | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-11-20): [Redacted]received proof of earlier electronic receipt.<br>Buyer Comment (2025-11-20): See docs attached | 11/20/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 24851 |  |  |  | 35447404 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Cure nor valid [Redacted]provided for fee addition. Just says fee was added with no reasoning. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-05): cure docs<br>Reviewer Comment (2025-11-20): [Redacted] : The [Redacted]that was provided in the trailing images was also provided in the original loan package. However, [Redacted]also required additional information on what new information was received that required to add the fee on revised LE and was not known prior to and at initial application disclosure and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to [Redacted].<br>Buyer Comment (2025-11-20): See docs attached<br>Buyer Comment (2025-11-20): See docs uploaded |  | 12/08/2025 |  | 2 C B |  | [Redacted] | 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 |
|  | 24851 |  |  |  | 35447405 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Cure nor valid [Redacted]provided for fee addition. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-05): cure docs<br>Reviewer Comment (2025-11-20): [Redacted] : The [Redacted]that was provided in the trailing images was also provided in the original loan package. However, [Redacted]also required additional information on what new information was received that required to add the fee on revised LE and was not known prior to and at initial application disclosure and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to [Redacted].<br>Buyer Comment (2025-11-20): see docs attached |  | 12/08/2025 |  | 2 C B |  | [Redacted] | 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 |
|  | 24851 |  |  |  | 35447406 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [Redacted] days prior to Closing. |  | [Redacted]account #[Redacted]is > [Redacted] days old and needed to qualify for reserves. |  |  |  | Reviewer Comment (2025-12-30): Received and associated Updated [Redacted] statement. Exception cleared.<br>Buyer Comment (2025-12-26): docs uploaded<br>Reviewer Comment (2025-12-11): Received bank statement is showing the non- [Redacted]s name with different bank name. please provide valid [Redacted] consecutive statements for the account #[Redacted] from [Redacted]. Exception remains.<br>Buyer Comment (2025-12-09): Assets - [Redacted]<br>Reviewer Comment (2025-11-24): [Redacted]month only comes within the [Redacted] days, please provide valid [Redacted]consecutive statements for the account #[Redacted]. Exception remains.<br>Buyer Comment (2025-11-20): Please see [Redacted]guidelines [Redacted] age of documentation. Under asset statements, it states that "Utilization of a quarterly statement is permissible and must be dated within [Redacted] days of the initial loan application date. The underwriter must confirm that the funds in the account have not been transferred to another asset account that is verified with more current documentation." It does not reference the [Redacted] age with regards to quarterly statements. | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 13097 |  |  |  | 35447411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-08): cure docs<br>Reviewer Comment (2025-12-02): [Redacted]received Changed Circumstance dated[Redacted], but it does not give sufficient information on why the underwriter requested for CDA fee. Also, fee added on [Redacted] , and [Redacted]provided is dated [Redacted] A valid [Redacted]within[Redacted] days of CD dated[Redacted] or cure is required. Cure documents consist of [Redacted], LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2025-12-01): [Redacted]letter for cda |  | 12/09/2025 |  | 2 C B |  | [Redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 13097 |  |  |  | 35447412 |  | 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 | [Redacted]: Subject loan transaction disbursed on [Redacted] prior to [Redacted] business days from transaction date of[Redacted] | Subject loan transaction disbursed on [Redacted] prior to [Redacted]business days from estimated transaction date of[Redacted] [Redacted] Signature and date of receipt was not provided on Final Closing Disclosure, |  |  |  | Reviewer Comment (2025-12-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-28): see attached final CD [Redacted] signed [Redacted] | 12/02/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 13097 |  |  |  | 35447413 |  | 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 | [Redacted]: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | [Redacted] Signature and date of receipt was not provided on Final Closing Disclosure. Date of receipt was estimated as[Redacted] |  |  |  | Reviewer Comment (2025-12-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-11-28): see [Redacted] | 12/02/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 13097 |  |  |  | 35447414 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] Letter or other [Redacted] party documentation to verify [Redacted]'s ownership percentage, business start date and current status for [Redacted]. <br> Missing [Redacted] Verification for [Redacted] letter provided for[Redacted]. |  |  |  | Reviewer Comment (2025-12-31): Lender used [Redacted] party to verify [Redacted]'s [Redacted]of business ownership, cpa not needed. Also, [Redacted] is an account for same business that he uses to separate some income, exceptions cleared.<br>Buyer Comment (2025-12-30): lender dispute<br>Reviewer Comment (2025-12-30): Received LOE and the business documents for [Redacted] Please provide a CPA letter with [Redacted] verification and business documents to verify the [Redacted]'s ownership [Redacted]and business details for [Redacted]. Additionally, we require [Redacted] verification for [Redacted] Exception remains.<br>Buyer Comment (2025-12-26): lender lox<br>Reviewer Comment (2025-12-22): We have received the business documents for [Redacted] . Please provide a CPA letter or other [Redacted]-party documentation to verify the [Redacted]'s ownership [Redacted]and business details for [Redacted] Additionally, we require CPA verification for[Redacted] Exception remains.<br>Buyer Comment (2025-12-18): lender docs- [Redacted]total uploaded<br>Buyer Comment (2025-12-18): lender docs-[Redacted] total uploaded<br>Buyer Comment (2025-12-18): lender docs- [Redacted] total uploaded<br>Reviewer Comment (2025-11-26): Received same documents which was provided before, Missing CPA Letter or other [Redacted]-party documentation to verify [Redacted]'s ownership [Redacted], business start date and current status for '[Redacted]'. Missing CPA Verification for the CPA letter provided for '[Redacted]'. Exception Remains.<br>Buyer Comment (2025-11-24): see upload to [Redacted] | 12/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 13097 |  |  |  | 35447415 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing [Redacted] Letter or other [Redacted] party documentation to verify [Redacted]'s ownership percentage, business start date and current status for [Redacted]. <br> Missing [Redacted] Verification for [Redacted] letter provided for[Redacted]. |  |  |  | Reviewer Comment (2025-12-31): Lender used [Redacted] party to verify [Redacted]'s [Redacted]of business ownership, cpa not needed. Also, [Redacted] is an account for same business that he uses to separate some income, exceptions cleared.<br>Reviewer Comment (2025-11-26): The CPA letter provided was for [Redacted] we need the CPA letter for [Redacted] with CPA verification. Also, need CPA verification for the Letter for [Redacted]<br>Buyer Comment (2025-11-24): see upload to [Redacted] | 12/31/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 13097 |  |  |  | 35447416 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | Missing [Redacted] Letter or other [Redacted] party documentation to verify [Redacted]'s ownership percentage, business start date and current status for [Redacted]. <br> Missing [Redacted] Verification for [Redacted] letter provided for[Redacted]. |  |  |  | Reviewer Comment (2025-12-31): Lender used [Redacted] party to verify [Redacted]'s [Redacted]of business ownership, cpa not needed. Also, [Redacted] is an account for same business that he uses to separate some income, exceptions cleared.<br>Reviewer Comment (2025-11-26): The CPA letter provided was for [Redacted] we need the CPA letter for [Redacted] with CPA verification. Also, need CPA verification for the Letter for [Redacted]<br>Buyer Comment (2025-11-24): see attached letter | 12/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 76573 |  |  |  | 35447515 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Appraisal Fee was last disclosed as $[Redacted].on but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received [Redacted], LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-18): see attached [Redacted] docs |  | 12/22/2025 |  | 2 C B |  | [Redacted] | 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 |
|  | 70185 |  |  |  | 35447525 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received a valid [Redacted].<br>Buyer Comment (2025-12-22): docs uploaded | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 66438 |  |  |  | 35447534 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Policy Coverage amount of $[Redacted][Redacted]. Loan amount was $[Redacted][Redacted]. Coverage shortfall of $[Redacted][Redacted]. |  |  |  | Reviewer Comment (2025-12-12): Received and associated Replacement Cost Estimator. Exception Cleared<br>Buyer Comment (2025-12-11): See docs provided<br>Buyer Comment (2025-12-10): See [Redacted] provided | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 66438 |  |  |  | 35447535 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use income from a layered entity owned [Redacted]% by [Redacted]. Approval in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-10): The Client elects to waive |  |  | 12/10/2025 | 2 B |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 66438 |  |  |  | 35447538 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-18): [Redacted]Received Valid [Redacted]dated[Redacted].<br>Buyer Comment (2025-12-17): docs uploaded | 12/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 93167 |  |  |  | 35447541 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-24): CPA verification was provided.<br>Buyer Comment (2025-12-23): docs uploaded | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 93167 |  |  |  | 35447543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-24): CPA verification was provided. | 12/24/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 93167 |  |  |  | 35447544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2025-12-24): CPA verification was provided.<br>Buyer Comment (2025-12-23): docs uploaded | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 48800 |  |  |  | 35447546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-19): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-12-18): see docs provided | 12/19/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 48800 |  |  |  | 35447549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2026-01-02): [Redacted]received Corrected [Redacted], Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-12-31): docs uploaded |  | 01/02/2026 |  | 2 C B |  | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 48800 |  |  |  | 35447550 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | REO property is pending sale. Provide either 1) Evidence all financing contingencies have been removed or 2) evidence the property has sold dated at or prior to closing. |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-19): docs uploaded | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64037 |  |  |  | 35447551 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-12-17): Received and associated Hazard Insurance Policy. Exception cleared.<br>Buyer Comment (2025-12-16): \*<br>Buyer Comment (2025-12-16): ins | 12/17/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64037 |  |  |  | 35447553 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  |  |  |  |  | Reviewer Comment (2025-12-17): Received [Redacted]valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-12-16): CDA uploaded<br>Buyer Comment (2025-12-16): cda | 12/17/2025 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 64037 |  |  |  | 35447555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted]are underdisclosed. | The Final CD does not reflect flood insurance escrowed. The PC-CD reflects flood insurance escrowed. LOE to [Redacted] not provided nor final stamped closing statement to support flood insurance escrows collected. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received [Redacted] and LOE.<br>Buyer Comment (2025-12-20): docs uploaded |  | 12/23/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64037 |  |  |  | 35447556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted]are underdisclosed. | The Final CD does not reflect flood insurance escrowed. The PC-CD reflects flood insurance escrowed. LOE to [Redacted] not provided nor final stamped closing statement to support flood insurance escrows collected. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received [Redacted] and LOE.<br>Buyer Comment (2025-12-20): docs uploaded |  | 12/22/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64037 |  |  |  | 35447558 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan will have an escrow account. | The Final CD does not reflect flood insurance escrowed. The PC-CD reflects flood insurance escrowed. LOE to [Redacted] not provided nor final stamped closing statement to support flood insurance escrows collected. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received [Redacted] and LOE.<br>Buyer Comment (2025-12-20): docs uploaded |  | 12/22/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64037 |  |  |  | 35447559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan will have an escrow account. | The Final CD does not reflect flood insurance escrowed. The PC-CD reflects flood insurance escrowed. LOE to [Redacted] not provided nor final stamped closing statement to support flood insurance escrows collected. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received [Redacted] and LOE.<br>Buyer Comment (2025-12-20): docs uploaded |  | 12/22/2025 |  | 2 C B |  | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 64037 |  |  |  | 35447560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed an escrow payment for payment stream [Redacted] that does not match the actual payment for the loan. | final CD is missing escrow amount on Page [Redacted] |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received [Redacted]. |  | 12/23/2025 |  | 2 B |  | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 31802 |  |  |  | 35447562 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank statements used for income are missing pages: 1) [Redacted] only has [Redacted] page missing [Redacted] pages; 2) [Redacted] only has [Redacted] page, missing [Redacted] pages; 3) [Redacted] only has [Redacted] page, missing [Redacted] pages; 4) [Redacted] different (new) account number #[Redacted], no LOE in file. [Redacted]) [Redacted] for original acct #[Redacted].<br> File is missing Business narrative. |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared.<br>Buyer Comment (2025-12-26): docs uploaded | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31802 |  |  |  | 35447563 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank statements used for income are missing pages: 1) [Redacted] only has [Redacted] page missing [Redacted] pages; 2) [Redacted] only has [Redacted] page, missing [Redacted] pages; 3) [Redacted] only has [Redacted] page, missing [Redacted] pages; 4) [Redacted] different (new) account number #[Redacted], no LOE in file. [Redacted]) No [Redacted] for original acct #[Redacted].<br> File is missing Business narrative. |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared.<br>Buyer Comment (2025-12-26): statement<br>Buyer Comment (2025-12-26): docs uploaded<br>Reviewer Comment (2025-12-18): Received Business Narrative. Please provide Bank statements used for income are missing pages: 1) [Redacted] [Redacted] D [Redacted] only has [Redacted] page missing [Redacted] [Redacted][Redacted] D [Redacted]only has [Redacted] page, missing [Redacted] [Redacted] [Redacted] D [Redacted]only has [Redacted] page, missing [Redacted] pages; 4) [Redacted][Redacted]- [Redacted][Redacted] different (new) account number # [Redacted], no LOE in file. 5) No [Redacted][Redacted] for original acct # [Redacted]. Exception remains.<br>Buyer Comment (2025-12-16): See narrative - reached out to lender for statements | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31802 |  |  |  | 35447565 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | QM Risk. Missing Business narrative and compelete bank statements used for income |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared. | 12/30/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 31802 |  |  |  | 35447566 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | QM Risk. Missing Business narrative and compelete bank statements used for income |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared.<br>Buyer Comment (2025-12-26): docs uploaded | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31802 |  |  |  | 35447567 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent Free LOE |  |  |  | Reviewer Comment (2025-12-17): Received and associated Rent Free LOE. Exception cleared.<br>Buyer Comment (2025-12-16): See docs provided<br>Buyer Comment (2025-12-16): See LOE | 12/17/2025 |  |  | 1 C A D |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31802 |  |  |  | 35447568 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the required business narrative and several of the bank statements used for qualifying income were incomplete. |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared.<br>Buyer Comment (2025-12-26): business narr | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 31802 |  |  |  | 35447569 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the [Redacted]'s ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing the required business narrative and several of the bank statements used for qualifying were incomplete. |  |  |  | Reviewer Comment (2025-12-30): Received and associated the business narrative, complete bank statements (including all pages), and the Letter of Explanation (LOE) stating the reason for changing the business account. Exception cleared. | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83661 |  |  |  | 35447573 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2025-12-18): [Redacted]received valid [Redacted]document<br>Buyer Comment (2025-12-17): See docs provided | 12/18/2025 |  |  | 1 C A |  | [Redacted] | Primary | 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 |
|  | 83661 |  |  |  | 35447574 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert lists the [Redacted], and lists the City as [Redacted]. Note reflects city as [Redacted]. |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-19): flood docs | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83661 |  |  |  | 35447575 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | 1) Blanket policy reflects the City as [Redacted]. Note reflects city as [Redacted].; 2) HO6 policy is missing [Redacted] and reflects the city as [Redacted], Note reflects City as [Redacted] |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-19): flood docs<br>Reviewer Comment (2025-12-19): We have received the Master Policy with the corrected address. Please provide the [Redacted] policy showing the city name consistent with the Note address. Exception Remains.<br>Buyer Comment (2025-12-17): See docs provided | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 45852 |  |  |  | 35447580 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative and [Redacted] Verification are not provided. |  |  |  | Reviewer Comment (2025-12-31): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-12-29): see attached narrative | 12/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 45852 |  |  |  | 35447582 |  | 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 | [Redacted]: Subject loan transaction disbursed on [Redacted], prior to [Redacted] business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to [Redacted] business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2026-01-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-30): see attached corrected [Redacted]<br>Reviewer Comment (2025-12-24): The closing statement does not have the disbursement date.<br>Buyer Comment (2025-12-22): docs uploaded | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 45852 |  |  |  | 35447583 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the[Redacted]. The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | A complete Loan Estimate was not provided. page [Redacted] and [Redacted] signed page [Redacted] provided. Missing page [Redacted] of Loan Estimate.with issue date of[Redacted]. |  |  |  | Reviewer Comment (2025-12-22): [Redacted]received initial LE.<br>Buyer Comment (2025-12-22): docs uploaded | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 45852 |  |  |  | 35447584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing business narrative and validity of [Redacted]. |  |  |  | Reviewer Comment (2025-12-31): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-12-29): see [Redacted] | 12/31/2025 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 45852 |  |  |  | 35447585 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing business narrative and validity of [Redacted]. |  |  |  | Reviewer Comment (2025-12-31): Received and associated Business Narrative. Exception Cleared<br>Buyer Comment (2025-12-29): see [Redacted]<br>Reviewer Comment (2025-12-24): Validity of cpa provided, still missing business narrative.<br>Buyer Comment (2025-12-22): docs uploaded | 12/31/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447587 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-24): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-12-22): ECONSENT | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance.<br>Buyer Comment (2026-01-07): see attached [Redacted]form<br>Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted]. But there is no valid [Redacted]in the loan file for the discount point fee was added. Provide valid [Redacted]for the fee was increased are cure is required to [Redacted]. Cure consists of corrected CD, LOE to [Redacted], proof of mailing, and copy of refund check.<br>Buyer Comment (2025-12-22): [Redacted] LE | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance. | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447591 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance.<br>Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted]. But there is no valid [Redacted]in the loan file for the second appraisal fee was added. Provide valid [Redacted]for the fee was added are cure is required to [Redacted]. Cure consists of corrected CD, LOE to [Redacted], proof of mailing, and copy of refund check.<br>Buyer Comment (2025-12-22): [Redacted] LE | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447592 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance.<br>Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted]. But there is no valid [Redacted]in the loan file for the verification fee was added. Provide valid [Redacted]for the fee was added are cure is required to [Redacted]. Cure consists of corrected CD, LOE to [Redacted], proof of mailing, and copy of refund check.<br>Buyer Comment (2025-12-22): [Redacted] le | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447593 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance.<br>Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted]. But there is no valid [Redacted]in the loan file for the Lender's title insurance fee was increased. Provide valid [Redacted]for the fee was increased are cure is required to [Redacted]. Cure consists of corrected CD, LOE to [Redacted], proof of mailing, and copy of refund check.<br>Buyer Comment (2025-12-22): Lender provided [Redacted] le | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447594 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): [Redacted] LE | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447595 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): [Redacted] LE | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): [Redacted] LE uploaded | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): [Redacted] le uploaded to [Redacted] | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title -[Redacted]Fee [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title -[Redacted]Fee [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): [Redacted] LE uploaded to [Redacted] | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447599 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted] and further review the fees are not bound by tolerance limit.<br>Buyer Comment (2025-12-22): uploaded [Redacted] LE to [Redacted] | 12/23/2025 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447600 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2026-01-08): [Redacted]received updated LE and valid changed circumstance.<br>Reviewer Comment (2025-12-23): [Redacted]received updated LE dated [Redacted] /[Redacted]. But there is no valid [Redacted]in the loan file for the transfer taxes are increased. Provide valid [Redacted]for the fee was increased are cure is required to [Redacted]. Cure consists of corrected CD, LOE to [Redacted], proof of mailing, and copy of refund check.<br>Buyer Comment (2025-12-22): [Redacted] le | 01/08/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 90994 |  |  |  | 35447601 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-23): Received and associated Flood Certificate. Exception Cleared<br>Buyer Comment (2025-12-19): Flood cert in file | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447602 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing [Redacted] month mortgage payment history of subject property |  |  |  | Reviewer Comment (2025-12-24): Received and associated Payment History. Exception Cleared<br>Buyer Comment (2025-12-22): docs uploaded | 12/24/2025 |  |  | 1 C A D |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447603 |  | Credit | 1003 | Document Error | 1003 | [Redacted](s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Missing a copy of [Redacted]permanent resident [Redacted] card. [Redacted] in file states resident [Redacted] card extended [Redacted] months, however missing card to determine expiration date. |  |  |  | Reviewer Comment (2025-12-24): Received and associated Resident [Redacted]Card. Exception Cleared<br>Buyer Comment (2025-12-22): resident docs | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447604 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted]and [Redacted][Redacted] and [Redacted]for[Redacted], required per [Redacted]guidelines. |  |  |  | Reviewer Comment (2026-01-06): Client changed from [Redacted] to Access [Redacted].<br>Buyer Comment (2025-12-31): See attached rate lock. Documentation changed from [Redacted]mos. to [Redacted]mos.<br>Reviewer Comment (2025-12-24): Received[Redacted] and [Redacted]for [Redacted]. However, Required[Redacted] and [Redacted]([Redacted]) for [Redacted]Exception remains.<br>Buyer Comment (2025-12-22): uploaded to cond [Redacted] | 01/06/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90994 |  |  |  | 35447605 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [Redacted]and [Redacted][Redacted] and [Redacted]for[Redacted], required per [Redacted]guidelines. |  |  |  | Reviewer Comment (2026-01-06): Client changed from [Redacted] to [Redacted]<br>Buyer Comment (2025-12-31): See attached rate lock. Documentation changed from [Redacted]mos. to [Redacted]mos.<br>Reviewer Comment (2025-12-24): Missing [Redacted] [Redacted]and[Redacted]<br>Buyer Comment (2025-12-22): uploaded tax docs to [Redacted] | 01/06/2026 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 90994 |  |  |  | 35447606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing [Redacted] or more guideline components, the loan is at ATR risk. | Missing [Redacted]and [Redacted][Redacted] and [Redacted]for[Redacted], required per [Redacted]guidelines. |  |  |  | Reviewer Comment (2026-01-06): Client changed from [Redacted] to [Redacted]<br>Buyer Comment (2025-12-31): See attached rate lock. Documentation changed from [Redacted]mos. to [Redacted]mos.<br>Reviewer Comment (2025-12-24): Missing [Redacted] [Redacted]and[Redacted]<br>Buyer Comment (2025-12-22): tax docs | 01/06/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447607 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | This file is missing [Redacted] Consent Agreement. |  |  |  | Reviewer Comment (2025-12-26): Received and associated [Redacted] agreement. Exception cleared.<br>Buyer Comment (2025-12-23): docs uploaded | 12/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447608 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | This file is missing Final Title Policy. No evidence of title in file |  |  |  | Reviewer Comment (2025-12-26): Received and associated Title Preliminary. Exception Cleared<br>Buyer Comment (2025-12-26): final title<br>Reviewer Comment (2025-12-26): The file was missing a copy of the final title policy. Exception remains.<br>Buyer Comment (2025-12-23): docs uploaded | 12/26/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447609 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2025-12-30): Documentation provided; exception cleared. | 12/30/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447610 |  | Compliance | Compliance | Federal Compliance | Compliance | Unable to Combine Appraisal and Appraisal Management Company Fee for Tolerance Testing | Unable to combine Appraisal Fee and Appraisal Management Company Fee for purposes of tolerance testing. | Unable to combine Appraisal Fee and[Redacted] Fee for purposes of tolerance testing. |  |  |  | Reviewer Comment (2025-12-30): Documentation provided; exception cleared. | 12/30/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447611 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the[Redacted]. The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided within loan images to evidence delivery to the[Redacted]. The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted]may be required. |  |  |  | Reviewer Comment (2025-12-24): [Redacted]received LE dated [Redacted]<br>Buyer Comment (2025-12-23): docs uploaded | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted] |  |  |  | Reviewer Comment (2025-12-24): [Redacted]received LE dated[Redacted] | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 90419 |  |  |  | 35447613 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. ([Redacted] Form was used and property is in the [Redacted]., [Redacted]., [Redacted]. [Redacted].[Redacted]., [Redacted]. or District of [Redacted].) | File is missing title, unable to determine the Lender at origination |  |  |  | Reviewer Comment (2025-12-30): Documentation provided; exception cleared.<br>Reviewer Comment (2025-12-29): We are missing preliminary title to verify the original lender.<br>Buyer Comment (2025-12-26): final title uploaded | 12/30/2025 |  |  | 1 B A |  | [Redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 90419 |  |  |  | 35447614 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to[Redacted] within [Redacted] business days of application. | Loan Estimate not delivered or placed in the mail to[Redacted] within [Redacted] business days of application. |  |  |  | Reviewer Comment (2025-12-29): [Redacted]received initial LE dated [Redacted]<br>Buyer Comment (2025-12-26): docs uploaded | 12/29/2025 |  |  | 1 A |  | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 29520 |  |  |  | 35447626 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | The file is missing a copy of [Redacted] consent agreement. |  |  |  | Reviewer Comment (2025-12-24): Received and associated [Redacted] Consent Agreement. Exception Cleared<br>Buyer Comment (2025-12-22): ESIGNED CERTIFICATE | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 29520 |  |  |  | 35447629 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-12-23): [Redacted]received valid changed circumstance.<br>Buyer Comment (2025-12-23): [Redacted]uploaded | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 42379 |  |  |  | 35447653 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-12-31): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-12-29): see attached title | 12/31/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 42379 |  |  |  | 35447654 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-12): The TPOL was provided. | 01/12/2026 |  |  | 1 A |  | [Redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83486 |  |  |  | 35447733 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-12-30): Received and associated Title document showing the insured amount. Exception cleared.<br>Buyer Comment (2025-12-26): title | 12/30/2025 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 83486 |  |  |  | 35447734 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] |  |  |  | Reviewer Comment (2026-01-02): Provided Policy with effective date matching disbursement date<br>Buyer Comment (2025-12-31): docs uploaded | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15505 |  |  |  | 35447769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-29): Sufficient cure provided at closing<br>Buyer Comment (2025-12-26): cure was included on final CD<br>Buyer Comment (2025-12-26): docs uploaded | 12/29/2025 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 15505 |  |  |  | 35447770 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE explaining [Redacted]from [Redacted] |  |  |  | Reviewer Comment (2026-01-08): Documentation provided; exception cleared.<br>Buyer Comment (2026-01-06): loe | 01/08/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15505 |  |  |  | 35447771 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-12-29): Sufficient Cure Provided At Closing |  | 12/29/2025 |  | 1 A |  | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 15407 |  |  |  | 35447811 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The required appraisal was missing from the file. |  |  |  | Reviewer Comment (2026-01-05): Provided appraisal for subject<br>Buyer Comment (2026-01-02): \*<br>Buyer Comment (2026-01-02): doc uploaded | 01/05/2026 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15407 |  |  |  | 35447812 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec [Redacted] |  | The required appraisal was missing from the file. |  |  |  | Reviewer Comment (2026-01-05): Provided appraisal for subject<br>Buyer Comment (2026-01-02): see [Redacted] | 01/05/2026 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15407 |  |  |  | 35447813 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a [Redacted] and has not been inspected. |  | The appraisal was missing from the file. If it is dated post-disaster, it will satisfy the issue. If not dated post-disaster, an additional inspection will be required. |  |  |  | Reviewer Comment (2026-01-05): Provided appraisal for subject<br>Buyer Comment (2026-01-02): \*<br>Buyer Comment (2026-01-02): see [Redacted] | 01/05/2026 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 15407 |  |  |  | 35447817 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Required appraisal was missing from the file. |  |  |  | Reviewer Comment (2026-01-05): Provided appraisal for subject<br>Buyer Comment (2026-01-02): \*<br>Buyer Comment (2026-01-02): see [Redacted] | 01/05/2026 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 17479 |  |  |  | 35447868 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV exceeds [Redacted] maximum for [Redacted] loans over $[Redacted]. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months rfeserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-18): Lender exception in file.<br>Buyer Comment (2025-12-16): See attached exception |  |  | 12/18/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 17479 |  |  |  | 35447869 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months rfeserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-18): Post close lender exception provided.<br>Buyer Comment (2025-12-18): exception uploaded to [Redacted] |  |  | 12/18/2025 | 2 C B |  | [Redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 12983 |  |  |  | 35447872 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception for [Redacted][Redacted] score with [Redacted] Time Investor is approved. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-04): Lender exception in file. |  |  | 12/04/2025 | 2 B |  | [Redacted] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 12983 |  |  |  | 35447873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing prepayment penalty as required per lender exception. |  |  |  | Reviewer Comment (2025-12-15): An updated exception form with no [Redacted]required was provided.<br>Buyer Comment (2025-12-11): exception uploaded<br>Buyer Comment (2025-12-11): updated exception- does not require a [Redacted] | 12/15/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 12983 |  |  |  | 35447874 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing personal guaranty. |  |  |  | Reviewer Comment (2025-12-19): Received and associated Guarantor Agreement. Exception cleared.<br>Buyer Comment (2025-12-19): guarantee as individual capacity<br>Buyer Comment (2025-12-18): guaranty | 12/19/2025 |  |  | 1 D A |  | [Redacted] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 12983 |  |  |  | 35447875 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide clarification that [Redacted] is [Redacted] as fraud shows [Redacted] owning multiple [Redacted] properties. |  |  |  | Reviewer Comment (2025-12-18): Explanation provided, exception cleared.<br>Buyer Comment (2025-12-16): Docs uploaded | 12/18/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 15069 |  |  |  | 35447877 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-01-12): The TPOL was provided. | 01/12/2026 |  |  | 1 A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 15069 |  |  |  | 35447878 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]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[Redacted] or [Redacted]and does not reflect a Coverage amount. Unable to determines if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-17): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-12-15): see attached title | 12/17/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 15069 |  |  |  | 35447879 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate document is missing in the file. |  |  |  | Reviewer Comment (2026-01-02): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-12-31): docs uploaded | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 15069 |  |  |  | 35447880 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2026-01-02): Received and associated Vacation Rental Website Listing. Exception cleared.<br>Buyer Comment (2025-12-30): see attached rental site | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 90308 |  |  |  | 35447881 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [Redacted]Status not provided |  |  |  |  |  | Reviewer Comment (2025-12-22): Received and associated Permanent Resident [Redacted]Card. Exception cleared.<br>Buyer Comment (2025-12-18): docs uploaded | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 90308 |  |  |  | 35447882 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert reflects[Redacted] Note has no directional. |  |  |  | Reviewer Comment (2025-12-22): Documentation provided; exception cleared<br>Buyer Comment (2025-12-18): docs uploaded | 12/22/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 91685 |  |  |  | 35447884 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file is missing a copy Business Loan Rider is missing. |  |  |  | Reviewer Comment (2025-12-30): Received and associated Business Loan Rider. Exception cleared.<br>Buyer Comment (2025-12-26): See attached | 12/30/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 95344 |  |  |  | 35447888 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate is missing in the file. |  |  |  | Reviewer Comment (2025-12-24): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-12-22): Business Purpose & Occupancy Affidavit and Consent Page | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 78793 |  |  |  | 35447890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prepayment penalty terms not provided. |  |  |  | Reviewer Comment (2025-12-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-19): PPP rider and addendum- [Redacted] year PPP<br>Buyer Comment (2025-12-19): PPP rider and addendum- [Redacted] year PPP | 12/23/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 78793 |  |  |  | 35447891 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Declining market requires [Redacted] LTV reduction, lender exception in file. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [Redacted]<br>The representative FICO score exceeds the guideline minimum by at least[Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-17): Lender exception in file. |  |  | 12/17/2025 | 2 B |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 78793 |  |  |  | 35447892 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([Redacted], [Redacted], etc.) not provided |  | Provide calculation used for short term income calculations. |  |  |  | Reviewer Comment (2025-12-24): Per client, using nightly rate of $[Redacted], $[Redacted]annually, $[Redacted]monthly.<br>Reviewer Comment (2025-12-23): Missing [Redacted] Month pay out or 1007 that verifies monthly short term rental income (not $[Redacted]/night).<br>Buyer Comment (2025-12-19): See attached | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 35298 |  |  |  | 35447904 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood coverage at [Redacted]% (below [Redacted]). All other HOA items acceptable. Exception requested with individual flood policy to cover the shortfall. | [Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]months reserves.<br>LTV is[Redacted]%below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-24): Lender exception in file. |  |  | 12/24/2025 | 2 B |  | [Redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 35298 |  |  |  | 35447905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing executed copy of the operating agreement. |  |  |  | Reviewer Comment (2026-01-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-12-31): See signed copy<br>Reviewer Comment (2025-12-29): Operating agreement is not executed.<br>Buyer Comment (2025-12-26): op agreement | 01/05/2026 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 35298 |  |  |  | 35447906 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-01-02): Received and associated [Redacted]/Formation. Exception cleared.<br>Buyer Comment (2025-12-30): See docs provided | 01/02/2026 |  |  | 1 C A |  | [Redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 35298 |  |  |  | 35447907 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2026-01-02): Received and associated Guarantor Agreement. Exception cleared.<br>Buyer Comment (2025-12-30): See docs provided | 01/02/2026 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 22645 |  |  |  | 35447909 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use higher lease rents with only[Redacted] months rent receipt provided when [Redacted] are required. Approval in file. | [Redacted]has owned the subject property for at least[Redacted]years.<br>[Redacted]monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | Own property for [Redacted]years | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-12-27): The client elects to waive. |  |  | 12/27/2025 | 2 B |  | [Redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 36854 |  |  |  | 35447914 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2026-01-05): Received and associated signed copy of the Note - Subject Lien. Exception cleared.<br>Buyer Comment (2025-12-31): See Note attached<br>Reviewer Comment (2025-12-31): Please provide the 'Note' for subject lien. Exception remains.<br>Buyer Comment (2025-12-29): Subject lien Note is in the file. | 01/05/2026 |  |  | 1 D A |  | [Redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 38263 |  |  |  | 35511618 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | [Redacted] Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-24): [Redacted]Agreement was provided.<br>Buyer Comment (2025-12-23): e consent | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511619 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-24): A CDA was provided.<br>Buyer Comment (2025-12-23): docs uploaded | 12/24/2025 |  |  | 1 D A |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511622 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [Redacted] Test | TILA [Redacted]appraisal Rule ([Redacted]): [Redacted] requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-01-12): Exception cleared.<br>Buyer Comment (2026-01-09): See docs provided | 01/12/2026 |  |  | 1 B A |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511624 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redacted] High-Cost Loan (Borrower Notice Not Provided) | [Redacted]High-Cost Loan: Notice to [Redacted] not provided to [Redacted]. |  |  |  |  | Reviewer Comment (2026-01-12): Offset provided for [Redacted] attorney closing fee. High cost exceptions cleared.<br>Buyer Comment (2026-01-09): see attached from lender<br>Reviewer Comment (2026-01-02): If clear evidence is provided to document the nature of the [Redacted] paid closing fee (and whether the fee was part of the [Redacted]transaction rather than [Redacted]fees paid by the [Redacted] , or if it was a [Redacted] attorney fee), then we can re-evaluate the inclusion of said fee in the [Redacted]high-cost points and fees calculation. Per [Redacted] if there are fees that fit within the definition of "points and fees" under the [Redacted] then the fees would be included in the points and fees calculation regardless of whether the [Redacted]or [Redacted] ultimately pays the fees.<br>Buyer Comment (2025-12-30): docs uploaded | 01/12/2026 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511625 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [Redacted][Redacted]: Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2026-01-12): Offset provided for [Redacted] attorney closing fee. High cost exceptions cleared.<br>Buyer Comment (2026-01-09): docs uploaded | 01/12/2026 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost 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. D | Non QM | Non QM | Yes |
|  | 38263 |  |  |  | 35511627 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: [Redacted] not provided with list of service providers. | [Redacted] not provided with list of service providers. |  |  |  | Reviewer Comment (2026-01-12): [Redacted]received [Redacted]. | 01/12/2026 |  |  | 1 A |  | [Redacted] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted] . $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] tolerance was exceeded by $[Redacted]due to increase of fees. No valid [Redacted]provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-12): [Redacted]received [Redacted]and the fee are within tolernace limit.<br>Buyer Comment (2026-01-09): See docs provided<br>Reviewer Comment (2026-01-05): [Redacted]received LOE and rebuttal comment. But, the file does not contain a Settlement Service Providers List. The [Redacted]is necessary to determine the tolerance and whether the [Redacted]shopped for services.<br>Buyer Comment (2026-01-02): per lender "we did not use the same title company as on the [Redacted], the recording fees were [Redacted] under what was initially disclosed and there is not anything in the 1300 section that the [Redacted]% would apply to." | 01/12/2026 |  |  | 1 C A |  | [Redacted] | 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 |
|  | 38263 |  |  |  | 35511629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for rental history. Reflects Private VOR with cash payments (no proof of bank stmts to show payments). Note: A copy of the Private VOR is not located in file. | [Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted]years.<br>[Redacted]made a down payment from their own funds on this purchase transaction of at least [Redacted]%and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Residual income over $[Redacted]k | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-24): The client elects to waive. |  |  | 12/24/2025 | 2 C B |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 38263 |  |  |  | 35511630 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing private VOR for current primary, referenced in lender exception. |  |  |  | Reviewer Comment (2025-12-24): VOR was provided.<br>Buyer Comment (2025-12-23): docs uploaded | 12/24/2025 |  |  | 1 C A |  | [Redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 72890 |  |  |  | 35511636 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-01-09): Provided [Redacted] disclosure<br>Buyer Comment (2026-01-08): [Redacted] Consent Agreement | 01/09/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 72890 |  |  |  | 35511637 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2026-01-07): Received and associated CPA Verification. Exception Cleared.<br>Buyer Comment (2026-01-06): CPA Verify | 01/07/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 72890 |  |  |  | 35511638 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted]Non Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% +[Redacted].[Redacted], or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% +[Redacted].[Redacted], or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-01-07): Received and associated CPA Verification. Exception Cleared. | 01/07/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 72890 |  |  |  | 35511639 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA [Redacted]Appraisal Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-09): Provided appraisal delivery<br>Buyer Comment (2026-01-08): [Redacted] | 01/09/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 72890 |  |  |  | 35511640 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA [Redacted]Appraisal Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-09): Provided appraisal delivery<br>Buyer Comment (2026-01-09): Timing of Appraisal to Consumer | 01/09/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 72890 |  |  |  | 35511642 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM Risk due to missing income documentation. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2026-01-07): Received and associated CPA Verification. Exception Cleared.<br>Buyer Comment (2026-01-06): CPA Verify | 01/07/2026 |  |  | 1 B A C |  | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 72890 |  |  |  | 35511644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [Redacted] or more guideline components, the loan is at QM risk. | The loan is at QM Risk due to missing income documentation. [Redacted] Verification was not provided. |  |  |  | Reviewer Comment (2026-01-07): Received and associated CPA Verification. Exception Cleared.<br>Buyer Comment (2026-01-06): CPA Verification | 01/07/2026 |  |  | 1 C A |  | [Redacted] | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20011 |  |  |  | 35511657 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]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[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-18): Received and associated Final title policy. Exception cleared.<br>Buyer Comment (2025-12-17): see attached title | 12/18/2025 |  |  | 1 B A |  | [Redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 60028 |  |  |  | 35511663 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Received and associated Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-12-10): Business Purpose Certificate | 12/12/2025 |  |  | 1 C A |  | [Redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 63384 |  |  |  | 35511664 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-16): Received and associated Title final policy. Exception cleared. | 12/16/2025 |  |  | 1 A |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 63384 |  |  |  | 35511665 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-16): Received and associated Title final policy. Exception cleared.<br>Buyer Comment (2025-12-12): docs uploaded | 12/16/2025 |  |  | 1 B A |  | [Redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |

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## Exhibit 99.4

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.4**

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | 43124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.040% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 36483 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.780% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 50387 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 87092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 49964 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18647 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 32695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18555 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 40030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 13440 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 60242 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 56755 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 10400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 27981 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78278 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20806 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 24210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 75048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 86085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 88439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 93787 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 93156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 44497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 77397 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 61384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 35289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 47641 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 71646 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 37790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
|  | 20362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 15549 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
|  | 69617 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 11271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.390% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 67881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 74510 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 92645 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 90574 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 71039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 31865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 42153 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 22033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 71172 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 58439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 31661 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 82048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 73453 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 69441 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 48316 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 51754 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 18968 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 99417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 71208 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28969 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 50417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 74599 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 36082 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 11862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 67839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 64291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 90829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 62695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28784 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.20 |
|  | 69312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 18699 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 65976 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 23336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
|  | 16955 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 46341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 41664 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 47901 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 75322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 80832 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 37743 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 41901 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 56347 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 71184 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 27966 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 55430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 99264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 19562 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 25676 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 26016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 21639 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.210% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 40713 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 48277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23183 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.90 |
|  | 68920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 27576 |  |  |  |  |  |  |  |  |  | 5.450% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 67449 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.920% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.920% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 67712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 85713 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 40605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 26528 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23997 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 40532 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98744 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 39505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 24452 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 29694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 19155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 69831 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 79627 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 19653 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 97277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 55693 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 90855 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 99820 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 30389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 93705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 85845 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 26613 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.270% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 79528 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 60770 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 76432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 83450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 47928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.360% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 66727 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 52111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 70034 |  |  |  |  |  |  |  |  |  | 9.290% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 75101 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 35290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 35811 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 56513 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 30921 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 17301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 78594 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 53776 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 19461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 10878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 38694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 70697 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 68801 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 71878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 30244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78225 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
|  | 19231 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 50317 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | 44005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 39156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
|  | 19123 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 44169 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23681 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14768 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 31880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14090 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 53987 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 29953 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 48578 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 47642 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 14773 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 46356 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 28009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 97077 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 80638 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 85589 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 56217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18234 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 55401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 55388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 79373 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 60277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 36282 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 73377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 62386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 21334 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 14622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 63326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 31381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.500% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 17309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20437 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 32830 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 76502 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 82814 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95893 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 15321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 30284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 44071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20332 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 46516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 61848 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 35505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 61478 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 93464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 87767 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 76282 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.940% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 11285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 93784 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 21445 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 96170 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 69870 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 83799 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 98386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 64551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 46126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 54833 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 81388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 70633 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 15025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 61682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 75604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.30 |
|  | 81704 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.330% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 80718 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 19933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 21401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 21560 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 90222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 85980 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 10290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 72248 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 49684 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 29626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 52.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 34092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 28066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 30634 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 10450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78909 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 95636 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 66336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 44181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 41877 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 50904 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 63415 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.020% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 81879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 58050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 84607 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 91254 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 53717 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.060% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 31327 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 25550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 12435 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 70252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 58624 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 53048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95952 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 54434 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 41329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 41213 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 59846 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 22784 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 68159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 52135 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 19906 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 40154 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 11391 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 77117 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98754 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 80313 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 64808 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 64081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 19636 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 58678 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 96253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 60935 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 37157 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 27702 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 79744 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 61391 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 11829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 66413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 42497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 46688 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 29138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 59623 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 66522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 46878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 66637 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 93982 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 88906 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 10861 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 91217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 56905 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 22654 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 83489 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 33644 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 61677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 29496 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.450% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 60427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 87007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 82419 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 70601 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 57024 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 92795 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 57835 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 69855 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 16918 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 69487 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 68807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78834 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 72979 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 51812 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 56372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 64857 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
|  | 35411 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 86964 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 81018 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 97974 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 26181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 37421 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 86451 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 58150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 34057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 72238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 60055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 12063 |  |  |  |  |  |  |  |  |  | 11.200% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 52298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 81658 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 36191 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 58600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.270% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.270% |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 83809 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.020% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.020% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 46277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 76085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 83234 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
|  | 53537 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 90180 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 65527 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | 25969 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 67749 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 94309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 79321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 64537 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 64568 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 80468 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 54778 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 48728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.110% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 25008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
|  | 37540 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 23156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 15290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 88318 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 66519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28863 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 19610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 84712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 58610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 29020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 64896 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | 75460 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.360% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 65128 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 32200 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 44764 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 10677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 99867 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 94614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 99578 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 65892 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 30432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95208 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 14917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 21264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 50845 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 21400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 84339 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97364 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 85939 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 38888 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 59340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 79661 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 36147 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18490 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 40711 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 15083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 62430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 33884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 47490 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 12493 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 26966 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 79924 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 59487 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 48276 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95195 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 14947 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 37557 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 51566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 24149 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 79888 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 21759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 93980 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 29461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 41064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 69050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 26485 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 25793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 91005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 34784 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 84142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 12682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 33984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 25238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 13277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 43975 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 83221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 82912 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 11725 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 28026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 47221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 75150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 50651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 88575 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97592 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23288 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 80501 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 76343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 45790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 92331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 59112 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 91932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 72303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 86931 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 55691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 96118 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 10471 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 38924 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 31889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 59551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 10759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 91383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 49385 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 55143 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 14624 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78817 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66776 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 96393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 94953 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 50816 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 22040 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 81277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 44276 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 52702 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 83161 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 37284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 28545 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 18898 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.180% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 16460 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20449 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 89667 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14774 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 32091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97274 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 31046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 42351 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 12858 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 94187 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 64863 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 65881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 30755 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 15781 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 63438 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 10827 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 77645 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 76026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 30226 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 44655 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 90721 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 67871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 42727 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 68579 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 77970 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 51079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | 60325 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 79843 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 25420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 68968 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 72432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 33434 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 47524 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 50258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 50712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 86792 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 52229 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 50795 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 18792 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 41916 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 36600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 98840 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 95215 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 48622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 55095 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 47155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 61124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 40343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 50797 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 53009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 88261 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 39623 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 68898 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.030% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 65685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 77482 |  |  |  |  |  |  |  |  |  | 1.660% |  |  |  | Appraisal |  |  |  |  |  |  | 1.660% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 28839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 97567 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 47428 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 55988 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 68094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95067 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 43971 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 39337 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 67293 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 34604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 69638 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 22129 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 93836 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 58768 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 32750 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 86352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 19091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 48951 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 93634 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 92448 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 36878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 86696 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.140% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.140% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 49322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 12517 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 43347 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 40185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 62103 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 30242 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 64573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 73516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 41264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 95788 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 42450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 62440 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 18745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 16175 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 90401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23907 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 18971 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98738 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 18879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 77062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 12026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 48009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 26159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 69790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 91624 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 58932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 54136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 28279 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 86852 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 40132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 83212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 17474 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 36267 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 17146 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 42984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 34926 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 82409 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 51374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 81083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | 47808 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 63729 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 84760 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 30771 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 96263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.440% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 91677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 30345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 72748 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 89221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 55142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 74225 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 70323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 97343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 42891 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 58326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 17691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 90203 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 67649 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 15933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 93482 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 10719 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 52271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 68244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 76761 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 70358 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66549 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 11467 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 80193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 26608 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 14589 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 14994 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 35454 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 74910 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 15536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 62831 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 26506 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 60430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 34406 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 24604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 33585 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 82096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 37692 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 34847 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.330% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 56531 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 89621 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 98478 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.030% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.030% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 19268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 81514 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 5.540% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.540% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 92357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 10993 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.140% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.140% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 29926 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.910% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 24851 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 13097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 76573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 70185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 66438 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 93167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 48800 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 64037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 31802 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 83661 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 45852 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 90994 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 90419 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 29520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 42379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 83486 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 93060 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 15505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 46664 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 57796 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 15407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 77080 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 17479 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 88041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 12983 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 15069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 90308 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.770% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 91685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 95344 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 78793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 71948 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 90972 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 23458 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 35298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 22645 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 38377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 36854 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 56520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 38263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 58064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 72890 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 60028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 63384 |  |  |  |  |  |  |  |  |  | 68.750% |  |  |  | Appraisal |  |  |  |  |  |  | 68.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 95637 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 14989 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 54398 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.5

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **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** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
|  | 43124 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2199.96 | [Redacted] | $183.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] | $227839.37 | 30.580% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 36483 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28995.00 | $2389.70 |  | 7.272% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $70693.33 | 1 | [Redacted] | $8622.00 | [Redacted] | $718.50 |  |  |  |  |  | 33.144% | 33.144% | 33.144% | 06/25/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $28995.00 |  | 6.630% | $1500.00 | 4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $321443.03 | 23.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.28 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 50387 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4841.04 | [Redacted] | $403.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 128.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 87092 |  |  |  | Non QM |  |  |  | Yes | No | $44483.00 | $15695.78 |  | 6.640% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $105928.25 | 1 | [Redacted] | $4491.00 | [Redacted] | $374.25 |  |  |  |  |  | 19.404% | 19.404% | 19.404% | 07/31/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $44483.00 |  | 6.320% | $867308.75 | 1.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $75000.00 | 2.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.85 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 49964 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $722.04 | [Redacted] | $60.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redacted] | $62034.31 | 20.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | 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 |  |  |  |  |  |  |  |  | 9.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 18647 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redacted] | $4995.72 | [Redacted] | $416.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.93 | 0.52 |  |  |  |  |  |  |  | [Redacted] | $1055270.40 | 69.420% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 32695 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $633.00 | [Redacted] | $52.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 37.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 18555 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10935.00 | $14602.91 |  | 7.270% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $129792.22 | 1 | [Redacted] | $6573.84 | [Redacted] | $547.82 |  |  |  |  |  | 8.208% | 8.208% | 8.208% | 08/15/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10935.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $204711.45 | 34.690% | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.82 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 40030 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $4866.24 | [Redacted] | $405.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redacted] | $338762.05 |  | 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 | 90.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 13440 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1460.04 | [Redacted] | $121.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 64.5 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 60242 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4892.04 | [Redacted] | $407.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] | $376559.28 | 25.960% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.63 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 56755 |  |  |  | Non QM |  |  |  | Yes | No | $6970.91 | $625.00 |  | 6.860% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3400.55 | 1 | [Redacted] | $1045.08 | [Redacted] | $87.09 |  |  |  |  |  | 45.722% | 45.722% | 45.722% | 08/04/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6970.91 |  | 6.750% | $17850.64 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redacted] | $58784.20 | 17.460% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.09 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10400 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3374.00 | $9136.11 |  | 6.655% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18487.38 | 1 | [Redacted] | $3051.00 | [Redacted] | $254.25 |  |  |  |  |  | 48.628% | 48.628% | 48.628% | 08/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3374.00 |  | 6.630% | $0.00 | 3.2 |  |  |  | N/A | No | 6.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $6959.91 |  | 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 | 22.18 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 27981 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $150.00 | $7848.94 |  | 8.780% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30182.50 | 1 | [Redacted] | $3728.16 | [Redacted] | $310.68 |  |  |  |  |  | 29.871% | 29.871% | 29.871% | 08/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% | 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]; Third Party Verification - 2025<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]; Paystubs - 2024<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]; Paystubs - 2023<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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $150.00 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $167594.69 | 12.640% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.05 | Retail |  | No |  | $0.00 | $7040.45 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 78278 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $13231.20 | $15400.70 |  | 8.668% | [Redacted] | [Redacted] | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16932.02 | 1 | [Redacted] | $3633.60 | [Redacted] | $302.80 |  |  |  |  |  | 28.709% | 28.709% | 28.709% | 06/24/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| 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 |  |  | [Redacted] | $13231.20 |  | 6.540% | $40000.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $14385.90 | 2.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.02 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 20806 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1812.53 | $3553.81 |  | 6.872% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17788.16 | 1 | [Redacted] | $1740.96 | [Redacted] | $145.08 |  |  |  |  |  | 17.106% | 17.106% | 17.106% | 08/16/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1812.53 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1191043.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 332.88 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 24210 |  |  |  | Non QM |  |  |  | Yes | No | $20716.12 | $9117.68 |  | 7.512% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16049.23 | 1 | [Redacted] | $1341.00 | [Redacted] | $111.75 |  |  |  |  |  | 38.663% | 38.663% | 38.663% | 07/18/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20716.12 |  | 6.630% | $10000.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $10000.00 | 1.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.3 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 75048 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1750.00 | $4087.64 |  | 6.646% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36672.68 | 1 | [Redacted] | $9085.68 | [Redacted] | $757.14 |  |  |  |  |  | 37.597% | 37.597% | 37.597% | 08/20/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1750.00 |  | 6.540% | $0.00 | 2.9 |  |  |  | N/A | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $18303.15 |  | No | 29 |  |  |  | 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 | 16.49 | Retail | No | No |  | $0.00 | $4166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 86085 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2727.85 | $9200.72 |  | 7.121% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3714.69 | 1 | [Redacted] | $2680.56 | [Redacted] | $223.38 |  |  |  |  |  | 38.638% | 38.638% | 38.638% | 07/18/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2727.85 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $24690.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.91 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 88439 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2443.15 | $3650.04 |  | 7.369% | [Redacted] | [Redacted] | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6679.05 | 1 | [Redacted] | $1149.12 | [Redacted] | $95.76 |  |  |  |  |  | 35.119% | 35.119% | 35.119% | 08/21/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [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 |  |  | [Redacted] | $2443.15 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $155568.95 | 64.280% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.09 | Retail | Yes | No |  | $0.00 | $2753.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 93787 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $2344.41 |  | 7.017% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7595.38 | 1 | [Redacted] | $3312.48 | [Redacted] | $276.04 |  |  |  |  |  | 29.556% | 29.556% | 29.556% | 08/11/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1495.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 4 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.67 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 93156 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2826.00 | $3988.07 |  | 7.674% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14897.86 | 1 | [Redacted] | $5142.96 | [Redacted] | $428.58 |  |  |  |  |  | 40.861% | 40.861% | 40.861% | 08/19/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 45.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<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]; Other - 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 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2826.00 |  | 6.320% | $0.00 | 4.2 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $75096.73 |  | 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 | 10.79 | Retail | No | No |  | $13752.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44497 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $2500.06 |  | 6.521% | [Redacted] | [Redacted] | 6.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15479.52 | 1 | [Redacted] | $3321.00 | [Redacted] | $276.75 |  |  |  |  |  | 33.854% | 33.854% | 33.854% | 07/16/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $1517244.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.8 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 77397 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2744.04 | [Redacted] | $228.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 101.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 61384 |  |  |  | Non QM |  |  |  | Yes | No | $20034.22 | $8463.49 |  | 8.008% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6265.59 | 3 | [Redacted] | $3921.96 | [Redacted] | $326.83 |  |  |  |  |  | 48.662% | 48.662% | 48.662% | 08/26/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20034.22 |  | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 9.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 | 34.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 35289 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redacted] | $1531.44 | [Redacted] | $127.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redacted] | $183866.12 | 42.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 24.4 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 47641 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | [Redacted] | $3278.76 | [Redacted] | $273.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 |  |  |  | No | 101.25 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 71646 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1571.52 | [Redacted] | $130.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redacted] | $12531.42 | 7.160% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.92 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 37790 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4014.00 | [Redacted] | $334.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 98.07 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 20362 |  |  |  | Non QM |  |  |  | Yes | No | $16160.63 | $22830.56 |  | 8.168% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30488.90 | 1 | [Redacted] | $2076.00 | [Redacted] | $173.00 |  |  |  |  |  | 38.721% | 38.721% | 38.721% | 07/02/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<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 - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16160.63 |  | 6.750% | $5000.00 | 1.3 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $472697.66 | 33.070% | 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 |  |  |  |  |  |  |  |  |  |  |  | 26.94 | Retail |  | No |  | $24877.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 15549 |  |  |  | Non QM |  |  |  | Yes | No | $15915.00 | $0.00 |  | 7.101% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25143.64 | 1 | [Redacted] | $2349.00 | [Redacted] | $195.75 |  |  |  |  |  | 16.350% | 16.350% | 16.350% | 08/26/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | [Redacted] | $15915.00 |  | 6.540% | $103700.00 | 2.3 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $60291.44 | 7.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.81 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 69617 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $11199.50 |  | 7.514% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $53099.31 | 1 | [Redacted] | $567.96 | [Redacted] | $47.33 |  |  |  |  |  | 30.055% | 30.055% | 30.055% | 07/29/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.630% | $0.00 | 2.8 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 6 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $612602.45 | 18.840% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 11271 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2148.00 | $11706.75 |  | 6.912% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $23791.00 | 1 | [Redacted] | $3749.04 | [Redacted] | $312.42 |  |  |  |  |  | 41.855% | 41.855% | 41.855% | 09/05/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2148.00 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 1 |  | 1 | 0 | 2 | 1 |  |  | 8.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $906838.52 | 33.960% | 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 |  |  |  |  | 27.62 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 67881 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16521.00 | $18942.62 |  | 7.161% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $35020.79 | 1 | [Redacted] | $2127.00 | [Redacted] | $177.25 |  |  |  |  |  | 16.629% | 16.629% | 16.629% | 06/13/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16521.00 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $364301.81 | 46.110% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 28.74 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 74510 |  |  |  | Non QM |  |  |  | Yes | No | $10887.19 | $12117.63 |  | 8.301% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17104.28 | 1 | [Redacted] | $2843.40 | [Redacted] | $236.95 |  |  |  |  |  | 36.212% | 36.212% | 36.212% | 06/24/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| 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: 18.00000% \| 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: 18.00000% \| 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: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 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 |  |  | [Redacted] | $10887.19 |  | 6.540% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redacted] | $41704.29 | 13.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.8 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 92645 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $5160.72 | [Redacted] | $430.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redacted] | $1414245.49 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 130.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90574 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $5160.72 | [Redacted] | $430.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redacted] | $1414245.49 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 130.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 71039 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $4139.76 | [Redacted] | $344.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 43.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 31865 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1268.04 | [Redacted] | $105.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | [Redacted] | $58500.00 | 10.000% | 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 |  |  |  |  |  |  |  |  | 47.32 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 28150 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23896.20 | $6636.60 |  | 6.788% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14908.65 | 1 | [Redacted] | $3770.52 | [Redacted] | $314.21 |  |  |  |  |  | 45.960% | 45.960% | 45.960% | 08/29/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $23896.20 |  | 6.570% | $20000.00 | 2.4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $89114.05 | 5.710% | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 42153 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2892.00 | [Redacted] | $241.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | [Redacted] | $228225.00 | 15.900% | 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 |  |  |  |  |  |  |  |  |  |  |  | 47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 22033 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1384.08 | [Redacted] | $115.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 29.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 71172 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4025.00 | $4893.57 |  | 7.047% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14156.16 | 1 | [Redacted] | $8008.92 | [Redacted] | $667.41 |  |  |  |  |  | 49.442% | 49.442% | 49.442% | 08/07/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4025.00 |  | 6.220% | $0.00 | 1.9 |  |  |  | N/A | No | 7.000% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.97 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58439 |  |  |  | Non QM |  |  |  | Yes | No | $12935.00 | $15352.22 |  | 7.768% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28892.50 | 1 | [Redacted] | $1775.04 | [Redacted] | $147.92 |  |  |  |  |  | 37.643% | 34.131% | 37.643% | 08/27/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12935.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redacted] | $53169.02 |  | 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 | 10.28 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 31661 |  |  |  | Non QM |  |  |  | Yes | No | $6997.50 | $8596.08 |  | 7.971% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23260.33 | 1 | [Redacted] | $9053.04 | [Redacted] | $754.42 |  |  |  |  |  | 30.630% | 30.630% | 30.630% | 09/08/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023<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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 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 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6997.50 |  | 6.570% | $0.00 | 2.7 |  |  |  | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 25.7 | Retail |  | No |  | $18692.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 82048 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4055.00 | $5761.50 |  | 7.506% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9337.32 | 1 | [Redacted] | $671.16 | [Redacted] | $55.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4055.00 |  | 6.320% | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $1015846.24 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.95 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 73453 |  |  |  | Non QM |  |  |  | Yes | No | $9618.38 | $13873.49 |  | 8.016% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6617.51 | 1 | [Redacted] | $1065.00 | [Redacted] | $88.75 |  |  |  |  |  | 49.611% | 49.611% | 49.611% | 08/11/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9618.38 |  | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $89836.77 | 25.700% | 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 |  |  |  |  |  |  |  |  |  |  |  | 10.23 | Retail | Yes | No |  | $1663.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 69441 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $5745.20 |  | 7.407% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7546.03 | 1 | [Redacted] | $2358.96 | [Redacted] | $196.58 |  |  |  |  |  | 49.981% | 49.981% | 49.981% | 09/12/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<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 - Income - 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 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | [Redacted] | $1590.00 |  | 6.320% | $0.00 | 3.6 | DU |  | ApproveEligible | N/A | No | 7.375% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $62325.68 |  | No | 32 | 32 |  |  | 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 | 6.82 | Retail |  | No |  | $0.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48316 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1028.04 | [Redacted] | $85.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 130.46 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 51754 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1407.00 | [Redacted] | $117.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | [Redacted] | $20000.00 | 5.970% | 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 |  |  |  |  |  |  |  |  |  |  |  | 44.45 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 18968 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $393.96 | [Redacted] | $32.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redacted] | $531881.76 | 57.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.65 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 |
|  | 99417 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2772.60 | [Redacted] | $231.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.66 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 71208 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1464.36 | [Redacted] | $122.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 106.61 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 28969 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3020.04 | [Redacted] | $251.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.13 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 50417 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1420.92 | [Redacted] | $118.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.25 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 74599 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1447.20 | [Redacted] | $120.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 104.94 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 98536 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1795.00 | $4905.65 |  | 7.355% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20992.24 | 1 | [Redacted] | $3684.00 | [Redacted] | $307.00 |  |  |  |  |  | 24.895% | 24.895% | 24.895% | 06/06/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [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 |  |  | [Redacted] | $1795.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1893.80 | 0.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.31 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 36082 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4860.02 | $6151.91 |  | 6.421% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23519.88 | 1 | [Redacted] | $2211.00 | [Redacted] | $184.25 |  |  |  |  |  | 13.272% | 13.272% | 13.272% | 08/13/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| 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 |  |  | [Redacted] | $4860.02 |  | 6.630% | $3383.56 | 4.2 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $138025.22 | 34.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.59 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 11862 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $558.96 | [Redacted] | $46.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redacted] | $110158.73 |  | 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 | 114.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 67839 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $4706.04 | [Redacted] | $392.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  | 240 | [Redacted] | $2407.09 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 64291 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $4521.96 | [Redacted] | $376.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 90829 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1652.16 | [Redacted] | $137.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redacted] | $661441.33 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Corp | 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 |  |  |  |  |  |  |  |  | 141.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 62695 |  |  |  | Non QM |  |  |  | Yes | No | $10515.00 | $12229.56 |  | 8.140% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4205.97 | 1 | [Redacted] | $1707.96 | [Redacted] | $142.33 |  |  |  |  |  | 48.784% | 48.784% | 48.784% | 07/07/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10515.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 51.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28784 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4590.00 | $4541.69 |  | 6.758% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5234.71 | 1 | [Redacted] | $1499.04 | [Redacted] | $124.92 |  |  |  |  |  | 45.240% | 45.240% | 45.240% | 09/03/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4590.00 |  | 6.540% | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | 6.625% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $110838.92 |  | 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 | 38.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 69312 |  |  |  | N/A |  |  |  | No | Yes | $5614.63 | $10879.75 |  | 5.952% | [Redacted] | [Redacted] | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16606.42 | 1 | [Redacted] | $657.96 | [Redacted] | $54.83 |  |  |  |  |  | 30.619% | 30.619% | 30.619% | 09/08/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5614.63 |  | 6.540% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 5.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $337721.10 | 59.240% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.61 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 18699 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15095.00 | $13890.47 |  | 6.597% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $185555.41 | 1 | [Redacted] | $2865.00 | [Redacted] | $238.75 |  |  |  |  |  | 5.955% | 5.955% | 5.955% | 08/21/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15095.00 |  | 6.290% | $0.00 | 2.5 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $61436.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 65976 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5556.20 |  | 7.985% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7188.04 | 1 | [Redacted] | $933.00 | [Redacted] | $77.75 |  |  |  |  |  | 40.538% | 40.538% | 40.538% | 06/26/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.570% | $0.00 | 2.5 |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $270617.22 | 53.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 23336 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $6788.46 |  | 7.113% | [Redacted] | [Redacted] | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7054.29 | 1 | [Redacted] | $1686.96 | [Redacted] | $140.58 |  |  |  |  |  | 37.756% | 37.756% | 37.756% | 09/11/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1590.00 |  | 6.220% | $0.00 | 3.3 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 21 | 27 |  |  | 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 |  | Retail |  | No |  | $0.00 | $6333.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 16955 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3645.00 | $5661.11 |  | 6.601% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5508.83 | 1 | [Redacted] | $1782.96 | [Redacted] | $148.58 |  |  |  |  |  | 44.275% | 44.275% | 44.275% | 09/12/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3645.00 |  | 6.540% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46341 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5220.00 | $6966.12 |  | 6.730% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8603.72 | 1 | [Redacted] | $2057.04 | [Redacted] | $171.42 |  |  |  |  |  | 40.529% | 40.529% | 40.529% | 08/27/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5220.00 |  | 6.310% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  | 32 |  |  | 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 |  | Retail |  | No |  | $0.00 | $8272.06 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 41664 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $20712.00 | $23797.07 |  | 6.107% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16668.43 | 1 | [Redacted] | $3009.96 | [Redacted] | $250.83 |  |  |  |  |  | 27.849% | 27.849% | 27.849% | 09/22/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20712.00 |  | 6.310% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 5.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47901 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1023.00 | [Redacted] | $85.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 34.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 75322 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5452.73 | $10137.38 |  | 8.003% | [Redacted] | [Redacted] | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3794.69 | 1 | [Redacted] | $1768.80 | [Redacted] | $147.40 |  |  |  |  |  | 35.396% | 35.396% | 35.396% | 07/30/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Personal | 38.000% |  |  |  | [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 - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | [Redacted] | $5452.73 |  | 6.750% | $6000.00 | 4.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $296227.13 | 98.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.85 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 80832 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1640.00 | $4670.56 |  | 8.534% | [Redacted] | [Redacted] | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $146465.97 | 1 | [Redacted] | $6888.96 | [Redacted] | $574.08 |  |  |  |  |  | 8.401% | 8.401% | 8.401% | 08/20/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.570% | $64000.00 | 5 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $97103.84 | 9.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.97 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 37743 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3360.82 | $15871.25 |  | 7.415% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Non-Employment Income | Self-Employed |  | 8.7 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $11988.21 | 1 | [Redacted] | $1956.00 | [Redacted] | $163.00 |  |  |  |  |  | 47.158% | 47.158% | 47.158% | 07/16/2025 | 795 | 729 | 726 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Personal | 86.000% | 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3360.82 |  | 6.610% | $1200.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $617064.90 | 56.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | 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 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 47.36 | Retail | No | No |  | $4691.80 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 41901 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $6295.60 | $6645.19 |  | 8.041% | [Redacted] | [Redacted] | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $3292.63 | 1 | [Redacted] | $1248.96 | [Redacted] | $104.08 |  |  |  |  |  | 42.836% | 42.836% | 42.836% | 10/16/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6295.60 |  | 6.290% | $20000.00 | 2.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $30300.15 | 11.360% | 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 |  |  |  | 7.54 |  |  | No |  | $5760.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 56347 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 6.498% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8720.13 | 1 | [Redacted] | $2545.56 | [Redacted] | $212.13 |  |  |  |  |  | 31.398% | 31.398% | 31.398% | 10/10/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<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%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.310% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.500% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $158032.89 | 27.290% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.08 |  |  | No |  | $7044.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 71184 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $921.96 | [Redacted] | $76.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redacted] | $80599.14 | 40.290% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 27966 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $4125.72 | [Redacted] | $343.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  | 240 | [Redacted] | $537523.26 | 69.350% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 55430 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1971.96 | [Redacted] | $164.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | [Redacted] | $216724.76 | 33.600% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 99264 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $2541.96 | [Redacted] | $211.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/27/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [Redacted] | $181854.67 | 43.290% | 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 |  |  |  | 21.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 19562 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $915.00 | [Redacted] | $76.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | [Redacted] | $314139.23 | 47.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 25676 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18876.00 | $19139.82 |  | 6.412% | [Redacted] | [Redacted] | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9559.93 | 1 | [Redacted] | $2096.04 | [Redacted] | $174.67 |  |  |  |  |  | 41.866% | 41.866% | 41.866% | 09/24/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 18.34% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 18.34% \| 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: 18.34% \| 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: 18.34% \| 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: 18.34% \| 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: 18.34% \| 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: 25.00% \| 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: 25.00% \| 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: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18876.00 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $174440.35 |  | 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 | 25.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26016 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14050.20 | $14203.10 |  | 6.673% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14394.05 | 1 | [Redacted] | $1994.04 | [Redacted] | $166.17 |  |  |  |  |  | 25.809% | 25.809% | 25.809% | 09/03/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Business License - 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]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14050.20 |  | 6.240% | $0.00 | 1.1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $164512.57 | 20.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 21639 |  |  |  | Non QM |  |  |  | Yes | No | $14165.00 | $16761.00 |  | 9.035% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29143.18 | 1 | [Redacted] | $3230.04 | [Redacted] | $269.17 |  |  |  |  |  | 25.691% | 25.691% | 25.691% | 08/19/2025 | 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]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14165.00 |  | 6.630% | $6000.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $155757.22 | 23.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.71 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 40713 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8011.00 | $13363.37 |  | 7.841% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7188.60 | 1 | [Redacted] | $2381.04 | [Redacted] | $198.42 |  |  |  |  |  | 30.303% | 30.303% | 30.303% | 08/12/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 |  |  | [Redacted] | $8011.00 |  | 6.630% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $618827.71 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 202.87 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48277 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4395.00 | $5407.60 |  | 6.900% | [Redacted] | [Redacted] | 6.750% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15784.06 | 1 | [Redacted] | $871.20 | [Redacted] | $72.60 |  |  |  |  |  | 30.571% | 30.571% | 30.571% | 09/03/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4395.00 |  | 6.320% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $166108.58 | 41.520% | No |  | 7 |  |  | Yes | Short Form | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.16 | Retail | No | No |  | $0.00 | $15834.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 23183 |  |  |  | N/A |  |  |  | No | Yes | $4981.70 | $6092.07 |  | 7.015% | [Redacted] | [Redacted] | 6.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12987.23 | 1 | [Redacted] | $2250.00 | [Redacted] | $187.50 |  |  |  |  |  | 49.076% | 49.076% | 49.076% | 09/22/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 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]; Restricted Stock Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4981.70 |  | 6.290% | $0.00 | 1.9 | LP / LPA |  | Accept/Eligible | Yes | No | 6.875% | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $48617.85 |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.99 | Retail | No | No |  | $0.00 | $25503.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 68920 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2583.00 | [Redacted] | $215.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.4 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 27576 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1753.32 | [Redacted] | $146.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 104.97 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 67449 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.355% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42340.61 | 1 | [Redacted] | $2937.96 | [Redacted] | $244.83 |  |  |  |  |  | 27.286% | 27.286% | 27.286% | 09/02/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.630% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $65628.12 |  | No | 32 | 17 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.74 | Retail | No | No |  | $0.00 | $20125.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 67712 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2211.60 | [Redacted] | $184.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 93.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 85713 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $3333.96 | [Redacted] | $277.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 53.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 40605 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1527.00 | [Redacted] | $127.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.71 | 0.37 |  |  |  |  |  |  |  | [Redacted] | $202663.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card |  |  | No | 78.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26528 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $888.00 | [Redacted] | $74.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 86.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 23167 |  |  |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 6.330% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16868.15 | 1 | [Redacted] | $407.04 | [Redacted] | $33.92 |  |  |  |  |  | 40.067% | 40.067% | 40.067% | 10/14/2025 | 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]; 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $7100.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.375% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $250641.06 | 70.200% | 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 |  |  |  |  |  |  |  |  |  |  |  | 84.38 |  | No | No |  | $0.00 | $14038.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
|  | 23997 |  |  |  | Non QM |  |  |  | Yes | No | $9289.28 | $6048.88 |  | 6.943% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4048.08 | 1 | [Redacted] | $2994.00 | [Redacted] | $249.50 |  |  |  |  |  | 33.945% | 33.945% | 33.945% | 10/21/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9289.28 |  | 6.240% | $2000.00 | 1.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $77700.78 | 25.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 40532 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12935.00 | $13117.58 |  | 7.231% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20247.86 | 1 | [Redacted] | $1862.04 | [Redacted] | $155.17 |  |  |  |  |  | 28.606% | 28.606% | 28.606% | 10/11/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12935.00 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $33117.29 |  | 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 | 8.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 98744 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23895.00 | $6948.82 |  | 6.683% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $541315.39 | 1 | [Redacted] | $3021.84 | [Redacted] | $251.82 |  |  |  |  |  | 1.842% | 1.842% | 1.842% | 07/21/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $23895.00 |  | 6.290% | $5000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1232178.81 | 77.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 39505 |  |  |  | Non QM |  |  |  | Yes | No | $54705.37 | $20895.81 |  | 7.054% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100847.09 | 1 | [Redacted] | $12386.40 | [Redacted] | $1032.20 |  |  |  |  |  | 12.998% | 12.998% | 12.998% | 09/29/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $54705.37 |  | 6.310% | $0.00 | 3.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $356398.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 24452 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10910.00 | $10995.50 |  | 6.980% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7806.02 | 1 | [Redacted] | $1523.04 | [Redacted] | $126.92 |  |  |  |  |  | 36.190% | 36.190% | 36.190% | 09/25/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10910.00 |  | 6.310% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.750% | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $2591.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 29694 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1485.00 | [Redacted] | $123.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 19155 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $3147.96 | [Redacted] | $262.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] | $866152.76 | 58.520% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 69831 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $2109.00 | [Redacted] | $175.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 63.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 79627 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12075.00 | $14545.66 |  | 6.792% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12503.93 | 1 | [Redacted] | $3261.48 | [Redacted] | $271.79 |  |  |  |  |  | 25.396% | 25.396% | 25.396% | 08/25/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12075.00 |  | 6.290% | $0.00 | 1.7 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $212084.31 | 40.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 19653 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $10493.24 | $10728.56 |  | 8.188% | [Redacted] | [Redacted] | 8.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $6059.82 | 1 | [Redacted] | $1584.36 | [Redacted] | $132.03 |  |  |  |  |  | 49.850% | 49.850% | 49.850% | 09/03/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10493.24 |  | 6.240% | $0.00 | 1.7 |  |  |  | N/A | No | 8.000% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $33487.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 6.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 97277 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14135.00 | $10204.42 |  | 7.338% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $59702.52 | 1 | [Redacted] | $5161.08 | [Redacted] | $430.09 |  |  |  |  |  | 16.248% | 16.248% | 16.248% | 10/13/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14135.00 |  | 6.290% | $10000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $376613.24 | 22.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 55693 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $6265.00 | $1619.48 |  | 7.965% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8147.98 | 1 | [Redacted] | $1464.00 | [Redacted] | $122.00 |  |  |  |  |  | 21.120% | 21.120% | 21.120% | 09/02/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6265.00 |  | 6.240% | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90855 |  |  |  | Non QM |  |  |  | Yes | No | $18304.60 | $3581.25 |  | 6.292% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22733.58 | 1 | [Redacted] | $1457.04 | [Redacted] | $121.42 |  |  |  |  |  | 27.931% | 27.931% | 27.931% | 10/16/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18304.60 |  | 6.160% | $15000.00 | 2.3 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $222886.08 | 43.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.23 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 99820 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14339.76 | $7146.72 |  | 6.718% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5817.07 | 1 | [Redacted] | $1885.68 | [Redacted] | $157.14 |  |  |  |  |  | 43.264% | 43.264% | 43.264% | 10/15/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14339.76 |  | 6.240% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 9 | 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 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $3586.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 30389 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1520.04 | [Redacted] | $126.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | [Redacted] | $261402.75 | 27.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.68 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 93705 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $441.96 | [Redacted] | $36.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  | 240 | [Redacted] | $0.00 |  | 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 | 108.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 85845 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $2280.96 | [Redacted] | $190.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redacted] | $105000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 11.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 26613 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $492.00 | [Redacted] | $41.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redacted] | $110158.73 | 31.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 26.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 79528 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $449.04 | [Redacted] | $37.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  | 240 | [Redacted] | $0.00 |  | 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 | 114.54 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 60770 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $593.88 | [Redacted] | $49.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76432 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2283.00 | [Redacted] | $190.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/26/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 102.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83450 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redacted] | $3930.00 | [Redacted] | $327.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] | $342023.22 | 24.780% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  | 16.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 47928 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1293.12 | [Redacted] | $107.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 66727 |  |  |  | Non QM |  |  |  | Yes | No | $8720.02 | $6815.02 |  | 8.339% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8669.86 | 1 | [Redacted] | $1575.96 | [Redacted] | $131.33 |  |  |  |  |  | 30.799% | 30.799% | 30.799% | 10/08/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8720.02 |  | 6.240% | $3000.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $40013.47 | 19.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 52111 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7015.00 | $10037.44 |  | 7.228% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3735.15 | 1 | [Redacted] | $1848.96 | [Redacted] | $154.08 |  |  |  |  |  | 49.763% | 49.763% | 49.763% | 10/20/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7015.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $35347.60 |  | 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 | 8.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 70034 |  |  |  | Non QM |  |  |  | Yes | No | $50713.75 | $45861.63 |  | 7.130% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $96760.64 | 1 | [Redacted] | $11424.48 | [Redacted] | $952.04 |  |  |  |  |  | 26.930% | 23.124% | 26.930% | 08/27/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003 | [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 |  |  | [Redacted] | $50713.75 |  | 6.290% | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  | 240 | [Redacted] | $73185.93 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 75101 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4207.50 | $5459.10 |  | 7.189% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1900.00 | 1 | [Redacted] | $3629.04 | [Redacted] | $302.42 |  |  |  |  |  | 42.870% | 42.870% | 42.870% | 10/16/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | [Redacted] | $4207.50 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 35290 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23037.40 | $27467.33 |  | 6.743% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41132.32 | 1 | [Redacted] | $2944.56 | [Redacted] | $245.38 |  |  |  |  |  | 32.532% | 32.532% | 32.532% | 10/17/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| 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 |  |  | [Redacted] | $23037.40 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $500889.37 | 41.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 35811 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $12801.00 | [Redacted] | $1066.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 37.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
|  | 56513 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1386.96 | [Redacted] | $115.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | [Redacted] | $232073.55 | 30.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 6.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 30921 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redacted] | $3371.04 | [Redacted] | $280.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | [Redacted] | $346763.01 | 27.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 17301 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1923.96 | [Redacted] | $160.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 105.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 78594 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2456.40 | [Redacted] | $204.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | [Redacted] | $159535.13 |  | 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 | 49.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 53776 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.459% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6380.31 | 1 | [Redacted] | $1347.72 | [Redacted] | $112.31 |  |  |  |  |  | 35.242% | 35.242% | 35.242% | 09/22/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.290% | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | N/A | No | 6.500% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $376660.23 | 81.880% | No | 34 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 90.16 |  | No | No |  | $2785.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 19461 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $52745.00 | $61457.72 |  | 7.013% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49888.69 | 1 | [Redacted] | $18642.96 | [Redacted] | $1553.58 |  |  |  |  |  | 34.395% | 34.395% | 34.395% | 10/08/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Employer Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 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]; VVOE - 2025<br> [Borrower - \| Non-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]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $52745.00 |  | 6.240% | $88750.00 | 2 |  |  |  | N/A | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1975351.55 | 55.640% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.78 |  | No | No |  | $1493.41 | $11051.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 10878 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8050.00 | $12398.68 |  | 6.367% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16359.59 | 1 | [Redacted] | $1776.60 | [Redacted] | $148.05 |  |  |  |  |  | 48.012% | 48.012% | 48.012% | 09/17/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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> [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 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8050.00 |  | 6.310% | $0.00 | 3.2 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $143279.77 |  | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.2 |  | No | No |  | $0.00 | $4462.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 38694 |  |  |  | Non QM |  |  |  | Yes | No | $5950.00 | $2954.60 |  | 7.399% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4776.29 | 1 | [Redacted] | $948.72 | [Redacted] | $79.06 |  |  |  |  |  | 33.812% | 33.812% | 33.812% | 09/29/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $5950.00 |  | 6.160% | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 70697 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12581.25 | $4364.26 |  | 6.786% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7048.44 | 1 | [Redacted] | $1050.00 | [Redacted] | $87.50 |  |  |  |  |  | 45.304% | 45.304% | 45.304% | 10/10/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Other - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 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 |  |  | [Redacted] | $12581.25 |  | 6.160% | $5000.00 | 1.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $328729.14 | 36.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.18 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 68801 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1125.00 | [Redacted] | $93.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $204508.62 | 39.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 71878 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2228.76 | [Redacted] | $185.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 46.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 30244 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4415.80 | $7583.00 |  | 7.213% | [Redacted] | [Redacted] | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1355.29 | 1 | [Redacted] | $1859.28 | [Redacted] | $154.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4415.80 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | [Redacted] | $379986.35 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 78225 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11920.00 | $12770.04 |  | 7.119% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9893.46 | 1 | [Redacted] | $1880.88 | [Redacted] | $156.74 |  |  |  |  |  | 46.945% | 46.945% | 46.945% | 08/26/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040-ES - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040-ES - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11920.00 |  | 6.570% | $0.00 | 2.5 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $28129.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 19231 |  |  |  | Non QM |  |  |  | Yes | No | $12510.18 | $13361.42 |  | 6.835% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $263589.30 | 1 | [Redacted] | $3188.64 | [Redacted] | $265.72 |  |  |  |  |  | 5.663% | 5.663% | 5.663% | 08/12/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12510.18 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $255434.60 |  | 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 | 51.25 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 50317 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18412.20 | $33410.45 |  | 7.122% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7111.45 | 1 | [Redacted] | $4314.96 | [Redacted] | $359.58 |  |  |  |  |  | 45.195% | 45.195% | 45.195% | 09/16/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Leave and Earnings Statement (LES) - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18412.20 |  | 6.310% | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | No | No | 6.625% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44005 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1525.00 | $2127.84 |  | 7.547% | [Redacted] | [Redacted] | 7.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15976.47 | 1 | [Redacted] | $1928.04 | [Redacted] | $160.67 |  |  |  |  |  | 41.478% | 41.478% | 41.478% | 09/15/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1525.00 |  | 6.220% | $0.00 | 3.6 | DU |  | ApproveEligible | N/A | No | 7.490% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 39156 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2060.00 | $8504.04 |  | 7.144% | [Redacted] | [Redacted] | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7338.62 | 1 | [Redacted] | $3320.04 | [Redacted] | $276.67 |  |  |  |  |  | 47.997% | 47.997% | 47.997% | 08/14/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2060.00 |  | 6.630% | $0.00 | 3 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $72311.80 |  | No |  | 32 |  |  | 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 | 18.83 | Retail |  | No |  | $0.00 | $8111.81 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 19123 |  |  |  | Non QM |  |  |  | Yes | No | $2401.00 | $3803.82 |  | 7.187% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13194.84 | 1 | [Redacted] | $2292.96 | [Redacted] | $191.08 |  |  |  |  |  | 30.116% | 30.116% | 30.116% | 09/29/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - Personal - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2401.00 |  | 6.290% | $1500.00 | 3.8 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $420959.76 | 68.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.98 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44169 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $647.05 |  | 6.760% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11208.05 | 1 | [Redacted] | $1289.04 | [Redacted] | $107.42 |  |  |  |  |  | 46.261% | 46.261% | 46.261% | 10/14/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [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 |  |  | [Redacted] |  |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $31831.30 |  | 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 | 12.53 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
|  | 23681 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2145.00 | $4093.33 |  | 7.188% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4857.98 | 1 | [Redacted] | $636.00 | [Redacted] | $53.00 |  |  |  |  |  | 44.706% | 44.706% | 44.706% | 09/25/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2145.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $189165.86 | 63.050% | Yes | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.29 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14768 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1985.00 | $5248.84 |  | 6.786% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21067.27 | 1 | [Redacted] | $3933.72 | [Redacted] | $327.81 |  |  |  |  |  | 40.306% | 40.306% | 40.306% | 09/09/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1985.00 |  | 6.310% | $0.00 | 3.1 |  |  |  | N/A | No | 6.750% | 1 |  | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $286624.92 | 24.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.15 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 31880 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $3371.67 |  | 6.528% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18527.65 | 1 | [Redacted] | $1362.00 | [Redacted] | $113.50 |  |  |  |  |  | 35.944% | 35.944% | 35.944% | 10/09/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $510241.24 | 43.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14090 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5492.79 | $6407.99 |  | 6.972% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30806.18 | 1 | [Redacted] | $1716.00 | [Redacted] | $143.00 |  |  |  |  |  | 12.875% | 12.875% | 12.875% | 10/08/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5492.79 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $206671.17 |  | 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 | 45.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 53987 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $245.00 | $120.00 |  | 6.245% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24217.53 | 1 | [Redacted] | $2086.08 | [Redacted] | $173.84 |  |  |  |  |  | 8.920% | 8.920% | 8.920% | 09/29/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2009<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2009 | [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 |  |  | [Redacted] | $245.00 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $61442.69 | 32.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.41 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 29953 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2670.89 | $6314.52 |  | 7.112% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4803.55 | 1 | [Redacted] | $3033.36 | [Redacted] | $252.78 |  |  |  |  |  | 44.766% | 44.766% | 44.766% | 10/09/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2670.89 |  | 6.290% | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48578 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $3440.21 |  | 6.936% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7219.50 | 1 | [Redacted] | $1227.96 | [Redacted] | $102.33 |  |  |  |  |  | 38.289% | 38.289% | 38.289% | 10/06/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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<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 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1590.00 |  | 6.310% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $89454.14 |  | No | 34 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.66 | Retail |  | No |  | $0.00 | $5673.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47642 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $4755.19 |  | 7.935% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7821.27 | 1 | [Redacted] | $999.96 | [Redacted] | $83.33 |  |  |  |  |  | 44.126% | 44.126% | 44.126% | 09/23/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1790.00 |  | 6.220% | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 7.875% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14773 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1292.75 | $2220.85 |  | 7.383% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18498.66 | 1 | [Redacted] | $948.00 | [Redacted] | $79.00 |  |  |  |  |  | 16.498% | 16.498% | 16.498% | 09/24/2025 | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1292.75 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.01 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66057 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2259.00 | $0.00 |  | 6.869% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15331.89 | 1 | [Redacted] | $1085.64 | [Redacted] | $90.47 |  |  |  |  |  | 17.551% | 17.551% | 17.551% | 09/24/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 64.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| 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: 64.00% \| 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: 64.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| 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: 64.00% \| 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: 64.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 64.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2259.00 |  | 6.310% | $83000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $7001.69 | 1.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.09 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46356 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $4552.49 |  | 6.392% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12817.17 | 1 | [Redacted] | $1128.96 | [Redacted] | $94.08 |  |  |  |  |  | 40.300% | 40.300% | 40.300% | 09/22/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1590.00 |  | 6.540% | $0.00 | 1.9 |  |  |  | N/A | No | 6.375% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 8.93 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 | 10.87 | Retail |  | No |  | $0.00 | $5642.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28009 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3048.36 | [Redacted] | $254.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | [Redacted] | $776088.34 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 148.31 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 97077 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1652.04 | [Redacted] | $137.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redacted] | $147904.00 | 48.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.76 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 |
|  | 20140 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $892.80 | [Redacted] | $74.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | [Redacted] | $230590.49 | 64.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.45 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 80638 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1490.04 | [Redacted] | $124.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redacted] | $176285.85 | 50.360% | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.94 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 85589 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redacted] | $3863.64 | [Redacted] | $321.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redacted] | $50000.00 | 5.810% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.64 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 56217 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $892.80 | [Redacted] | $74.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | [Redacted] | $230590.49 | 64.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.45 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 18234 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2187.96 | [Redacted] | $182.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redacted] | $386992.44 | 56.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.15 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 18807 |  |  |  | N/A |  |  |  | No | No | $5650.94 | $6724.46 |  | 7.382% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6718.68 | 1 | [Redacted] | $794.40 | [Redacted] | $66.20 |  |  |  |  |  | 48.292% | 48.292% | 48.292% | 10/14/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - 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]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5650.94 |  | 6.290% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $87654.87 |  | 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 | 22.68 | Retail | No | No |  | $2084.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 55401 |  |  |  | N/A |  |  |  | No | No | $11025.00 |  |  | 7.498% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6476.39 | 2 | [Redacted] | $2970.00 | [Redacted] | $247.50 |  |  |  |  |  | 31.715% | 31.715% | 31.715% | 07/29/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<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%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11025.00 |  | 6.240% | $2000.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 1 | 0 | 4 | 1 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $215980.10 | 44.070% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 55388 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2625.96 | [Redacted] | $218.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redacted] | $362221.15 | 93.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 106.29 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 79373 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2428.56 | [Redacted] | $202.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 83.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 60277 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $794.04 | [Redacted] | $66.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 124.7 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 36282 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $430.32 | [Redacted] | $35.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redacted] | $195974.49 | 30.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.99 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
|  | 73377 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1856.40 | [Redacted] | $154.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redacted] | $52088.45 |  | 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 | 29.58 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 62386 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $3090.96 | [Redacted] | $257.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redacted] | $1207392.21 | 61.910% | 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 |  |  |  |  |  |  |  |  |  |  |  | 24.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 21334 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $1677.12 | [Redacted] | $139.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | [Redacted] | $284755.39 | 73.010% | 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 |  |  |  | 45.16 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 14622 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1671.96 | [Redacted] | $139.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 116.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 63326 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1357.80 | [Redacted] | $113.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $361838.61 | 42.560% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.48 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 31381 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redacted] | $1839.00 | [Redacted] | $153.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redacted] | $721011.48 | 47.270% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.18 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 17309 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3180.24 | [Redacted] | $265.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 106.57 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 7 |
|  | 20437 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redacted] | $1883.04 | [Redacted] | $156.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | [Redacted] | $183766.27 | 54.530% | 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 |  |  |  |  |  | 9.56 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 32830 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1061.04 | [Redacted] | $88.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [Redacted] | $106682.46 | 28.260% | 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 |  |  |  |  |  |  |  |  |  |  |  | 8.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 76502 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $5720.52 | [Redacted] | $476.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | [Redacted] | $365547.48 | 48.730% | 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 |  |  |  |  |  |  |  |  |  |  |  | 17.96 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 82814 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $960.96 | [Redacted] | $80.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.13 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 95893 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1866.00 | [Redacted] | $155.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redacted] | $600838.90 | 65.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.88 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 15321 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1383.96 | [Redacted] | $115.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.14 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 30284 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $3057.00 | [Redacted] | $254.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.04 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 44071 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1061.04 | [Redacted] | $88.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] | $167572.06 | 44.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 23.46 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | No | No | No | No | 1 |
|  | 20332 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2355.00 | [Redacted] | $196.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.98 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46516 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11495.00 | $8701.73 |  | 7.392% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $9961.39 | 1 | [Redacted] | $3870.00 | [Redacted] | $322.50 |  |  |  |  |  | 38.511% | 38.511% | 38.511% | 09/16/2025 | 697 | 697 | 691 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Yes | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11495.00 |  | 6.240% | $0.00 | 4.2 |  |  |  | N/A | No | 7.250% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $553265.52 | 88.520% | No | 34 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | 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 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 102.31 |  | No | No |  | $7801.43 | $4583.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 61848 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4613.80 | $7151.90 |  | 7.562% | [Redacted] | [Redacted] | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9375.75 | 1 | [Redacted] | $1725.00 | [Redacted] | $143.75 |  |  |  |  |  | 42.830% | 42.830% | 42.830% | 10/15/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4613.80 |  | 6.160% | $0.00 | 4 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $5046.03 |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 35505 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2877.00 | [Redacted] | $239.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | [Redacted] | $168100.77 |  | 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 | 56.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 61478 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $4571.64 | [Redacted] | $380.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 93464 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11415.00 | $13442.97 |  | 7.120% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38180.18 | 1 | [Redacted] | $1373.04 | [Redacted] | $114.42 |  |  |  |  |  | 10.480% | 10.480% | 10.480% | 08/27/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11415.00 |  | 6.260% | $121000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66556 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12395.00 | $14699.20 |  | 6.866% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7235.43 | 1 | [Redacted] | $1917.96 | [Redacted] | $159.83 |  |  |  |  |  | 43.512% | 43.512% | 43.512% | 11/04/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12395.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 87767 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $30735.00 | $34335.52 |  | 7.219% | [Redacted] | [Redacted] | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31870.99 | 1 | [Redacted] | $14165.28 | [Redacted] | $1180.44 |  |  |  |  |  | 35.703% | 35.703% | 35.703% | 09/24/2025 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Primary Income - Trust Income]; Trustee's Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $30735.00 |  | 6.290% | $0.00 | 1.5 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $759950.00 | 40.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76282 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redacted] | $789.00 | [Redacted] | $65.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | [Redacted] | $130810.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card | Resident Alien Card |  | No | 62.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 11285 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $787.08 | [Redacted] | $65.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 744 | 809 | 818 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redacted] | $582880.04 | 82.670% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 74.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |  |
|  | 93784 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1200.00 | [Redacted] | $100.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 22.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 21445 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2406.00 | [Redacted] | $200.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redacted] | $315790.35 | 39.130% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 96170 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $198.96 | [Redacted] | $16.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redacted] | $199836.05 | 57.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 69870 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 5.734% | [Redacted] | [Redacted] | 5.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33875.04 | 1 | [Redacted] | $1856.40 | [Redacted] | $154.70 |  |  |  |  |  | 25.359% | 25.359% | 25.359% | 10/20/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 | 3.1 | LP / LPA |  | Accept/Eligible | N/A | No | 5.750% | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $117026.70 | 47.760% | 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 |  |  |  |  |  |  |  |  |  |  |  | 170.02 |  | No | No |  | $22692.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83799 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12716.00 | $15306.70 |  | 7.060% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7817.11 | 1 | [Redacted] | $1664.04 | [Redacted] | $138.67 |  |  |  |  |  | 38.466% | 38.466% | 38.466% | 10/08/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12716.00 |  | 6.170% | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  | 21 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $3875.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 98386 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2168.04 | [Redacted] | $180.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] | $20000.00 | 4.210% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 64551 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $4448.04 | [Redacted] | $370.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] | $800.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 46126 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1020.00 | [Redacted] | $85.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $12984.87 |  | 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 | 121.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 54833 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3339.96 | [Redacted] | $278.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 81388 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $10110.89 | $3885.74 |  | 8.075% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6572.38 | 1 | [Redacted] | $1746.00 | [Redacted] | $145.50 |  |  |  |  |  | 35.505% | 35.505% | 35.505% | 10/20/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10110.89 |  | 6.240% | $34400.00 | 1.4 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $44100.03 | 9.690% | 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 |  |  |  |  | 6.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 70633 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10831.00 | $12649.30 |  | 6.688% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9132.62 | 1 | [Redacted] | $1853.04 | [Redacted] | $154.42 |  |  |  |  |  | 41.395% | 41.395% | 41.395% | 09/23/2025 | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10831.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $30682.40 |  | 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 |  |  |  |  |  |  |  |  |  |  | Yes | 5.92 |  | No | No |  | $0.00 | $6250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 15025 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4307.73 | $5425.95 |  | 7.686% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3145.12 | 1 | [Redacted] | $735.00 | [Redacted] | $61.25 |  |  |  |  |  | 34.312% | 34.312% | 34.312% | 08/05/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [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 |  |  | [Redacted] | $4307.73 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $32257.68 | 13.930% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 61682 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1583.10 |  | 6.740% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $155197.42 | 1 | [Redacted] | $2172.84 | [Redacted] | $181.07 |  |  |  |  |  | 16.648% | 16.648% | 16.648% | 09/28/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<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]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.570% | $0.00 | 4.3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 3 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1580079.07 |  | 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 | 105.53 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 75604 |  |  |  | Non QM |  |  |  | Yes | No | $19074.00 | $20128.46 |  | 8.507% | [Redacted] | [Redacted] | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11027.27 | 1 | [Redacted] | $2553.00 | [Redacted] | $212.75 |  |  |  |  |  | 43.772% | 43.772% | 43.772% | 10/13/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19074.00 |  | 6.240% | $0.00 | 4.3 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $286718.41 | 29.400% | 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 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 81704 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8790.00 | $9639.67 |  | 6.871% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12030.60 | 1 | [Redacted] | $1429.32 | [Redacted] | $119.11 |  |  |  |  |  | 37.038% | 37.038% | 37.038% | 09/26/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8790.00 |  | 6.240% | $14170.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $42870.88 | 8.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.39 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 97009 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3999.48 | $4625.63 |  | 7.850% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2019.35 | 1 | [Redacted] | $1032.96 | [Redacted] | $86.08 |  |  |  |  |  | 45.260% | 45.260% | 45.260% | 09/17/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<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]; 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [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 |  |  | [Redacted] | $3999.48 |  | 6.540% | $0.00 | 2.1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | 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 | 5.52 | Retail |  | No |  | $1844.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 80718 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3624.93 |  | 6.642% | [Redacted] | [Redacted] | 6.625% | No | No | Not Employed | Not Employed | Employed | Not Employed | 8.3 | 0 |  |  | US Citizen | US Citizen |  |  |  |  | $21830.23 | 1 | [Redacted] | $3060.96 | [Redacted] | $255.08 |  |  |  |  |  | 36.550% | 36.550% | 36.550% | 09/09/2025 | 761 | 782 | 773 | 775 | 761 | 756 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | 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]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $208402.41 |  | No |  |  | 32 |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  | 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 | 17.56 | Retail |  | No |  | $0.00 | $34405.48 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28074 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2165.00 | $4682.44 |  | 7.043% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14789.56 | 1 | [Redacted] | $7248.96 | [Redacted] | $604.08 |  |  |  |  |  | 42.858% | 42.858% | 42.858% | 10/02/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2165.00 |  | 6.290% | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 19933 |  |  |  | N/A |  |  |  | No | Yes | $3181.12 | $4573.46 |  | 7.992% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15489.32 | 1 | [Redacted] | $1416.96 | [Redacted] | $118.08 |  |  |  |  |  | 28.814% | 28.814% | 28.814% | 09/18/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3181.12 |  | 6.310% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.750% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $3000.00 | 1.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.71 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 21401 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $2414.58 |  | 6.385% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37964.10 | 1 | [Redacted] | $8661.00 | [Redacted] | $721.75 |  |  |  |  |  | 41.371% | 41.371% | 41.371% | 09/23/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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 - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2011 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.220% | $0.00 | 4.6 |  |  |  | N/A | No | 6.375% | 2 |  | 2 | 0 | 3 | 2 |  |  | 9.87 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $468864.65 |  | 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 | 44.99 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 21560 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $2709.85 |  | 7.283% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13924.88 | 1 | [Redacted] | $3680.04 | [Redacted] | $306.67 |  |  |  |  |  | 39.626% | 39.626% | 39.626% | 09/05/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<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 - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $100810.37 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.47 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 90222 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12440.00 | $19045.40 |  | 7.246% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9137.19 | 1 | [Redacted] | $2881.68 | [Redacted] | $240.14 |  |  |  |  |  | 49.166% | 49.166% | 49.166% | 08/25/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 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]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  |  | $12440.00 |  | 6.290% | $0.00 | 4.1 | DU |  | ApproveEligible | N/A | No | 7.125% | 2 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $55488.00 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 85980 |  |  |  | Non QM |  |  |  | Yes | No | $1890.00 | $2714.28 |  | 6.810% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $41129.27 | 1 | [Redacted] | $1272.00 | [Redacted] | $106.00 |  |  |  |  |  | 27.029% | 25.751% | 27.029% | 09/17/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1890.00 |  | 6.290% | $0.00 | 1.5 |  |  |  | N/A | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redacted] | $103092.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.52 | Retail | No | No |  | $0.00 | $56364.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 10290 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7672.00 | $13799.98 |  | 6.840% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37647.04 | 1 | [Redacted] | $7986.36 | [Redacted] | $665.53 |  |  |  |  |  | 24.983% | 24.983% | 24.983% | 08/21/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7672.00 |  | 6.290% | $0.00 | 3.9 |  |  |  | N/A | No | 6.750% | 2 |  | 2 | 0 | 2 | 2 |  |  | 9.53 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $123337.39 | 10.270% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.73 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 72248 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14090.00 | $14207.10 |  | 6.645% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14428.72 | 1 | [Redacted] | $4515.00 | [Redacted] | $376.25 |  |  |  |  |  | 41.653% | 41.653% | 41.653% | 09/02/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14090.00 |  | 6.310% | $0.00 | 2.3 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $52135.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.4 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 49684 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3570.00 | $4861.96 |  | 7.539% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5950.60 | 1 | [Redacted] | $2466.96 | [Redacted] | $205.58 |  |  |  |  |  | 31.342% | 31.342% | 31.342% | 07/25/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3570.00 |  | 6.750% | $0.00 | 3.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $547316.48 |  | 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 | 156.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 29626 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1985.00 | $14660.06 |  | 7.095% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39719.19 | 1 | [Redacted] | $1842.96 | [Redacted] | $153.58 |  |  |  |  |  | 11.795% | 11.795% | 11.795% | 08/15/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1985.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $3437.19 | 0.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 98331 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1965.00 | $3359.79 |  | 6.759% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49387.76 | 1 | [Redacted] | $16599.96 | [Redacted] | $1383.33 |  |  |  |  |  | 38.115% | 38.115% | 38.115% | 10/03/2025 | 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]; 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 |  |  | [Redacted] | $1965.00 |  | 6.310% | $0.00 | 3.7 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1222.28 |  | 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 | 56.3 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34092 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12426.25 | $14197.75 |  | 6.511% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14498.24 | 1 | [Redacted] | $1268.04 | [Redacted] | $105.67 |  |  |  |  |  | 33.664% | 33.664% | 33.664% | 09/19/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12426.25 |  | 6.220% | $0.00 | 1.3 |  |  |  | N/A | No | 6.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 | 114.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28066 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $6251.25 | $8374.50 |  | 8.234% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11662.77 | 1 | [Redacted] | $1734.24 | [Redacted] | $144.52 |  |  |  |  |  | 32.142% | 32.142% | 32.142% | 09/04/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $6251.25 |  | 6.310% | $0.00 | 2.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $10000.00 | 2.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.01 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 30634 |  |  |  | Non QM |  |  |  | Yes | No | $6068.80 | $7356.78 |  | 6.393% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42888.74 | 1 | [Redacted] | $4605.24 | [Redacted] | $383.77 |  |  |  |  |  | 23.074% | 23.074% | 23.074% | 09/04/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6068.80 |  | 6.240% | $612.22 | 3.3 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $238967.72 | 23.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.6 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 10450 |  |  |  | Non QM |  |  |  | Yes | No | $2487.80 | $5317.47 |  | 8.532% | [Redacted] | [Redacted] | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25646.83 | 1 | [Redacted] | $2729.04 | [Redacted] | $227.42 |  |  |  |  |  | 16.117% | 16.117% | 16.117% | 09/29/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2487.80 |  | 5.680% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $60019.25 | 15.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.47 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 78909 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $18825.00 | $20025.52 |  | 8.442% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10058.61 | 1 | [Redacted] | $2838.12 | [Redacted] | $236.51 |  |  |  |  |  | 48.813% | 48.813% | 48.813% | 09/23/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18825.00 |  | 6.240% | $0.00 | 2.6 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $82184.19 | 10.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 95636 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2441.40 | $260.67 |  | 7.137% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2260.64 | 1 | [Redacted] | $2038.92 | [Redacted] | $169.91 |  |  |  |  |  | 46.582% | 46.582% | 46.582% | 10/08/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2441.40 |  | 6.160% | $137500.00 | 2.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66336 |  |  |  | Non QM |  |  |  | Yes | No | $8393.30 | $9252.86 |  | 9.432% | [Redacted] | [Redacted] | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6100.59 | 1 | [Redacted] | $2110.92 | [Redacted] | $175.91 |  |  |  |  |  | 40.534% | 40.534% | 40.534% | 09/03/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 42.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8393.30 |  | 6.290% | $5000.00 | 2.6 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $205675.99 | 53.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.22 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44181 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $2545.94 |  | 7.437% | [Redacted] | [Redacted] | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4104.00 | 1 | [Redacted] | $2412.00 | [Redacted] | $201.00 |  |  |  |  |  | 44.614% | 44.614% | 44.614% | 09/28/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $2020.00 |  | 6.240% | $0.00 | 1.4 |  |  |  | N/A | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $57762.34 |  | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 41877 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $3593.69 |  | 6.419% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13796.94 | 1 | [Redacted] | $2933.04 | [Redacted] | $244.42 |  |  |  |  |  | 33.387% | 33.387% | 33.387% | 10/09/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $2629565.28 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 282.67 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 50904 |  |  |  | Non QM |  |  |  | Yes | No | $27675.00 | $14150.39 |  | 6.975% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11578.49 | 1 | [Redacted] | $1797.96 | [Redacted] | $149.83 |  |  |  |  |  | 35.997% | 35.997% | 35.997% | 10/07/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| 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: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $27675.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $105687.17 | 12.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 63415 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5859.00 | $19970.00 |  | 7.170% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33793.72 | 1 | [Redacted] | $9783.96 | [Redacted] | $815.33 |  |  |  |  |  | 42.021% | 42.021% | 42.021% | 10/15/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2013<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 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 - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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%)]; Third Party Verification - 2019 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5859.00 |  | 6.240% | $7500.00 | 3.7 |  |  |  | N/A | No | 7.125% | 2 |  | 2 | 0 | 2 | 2 |  |  | 9.27 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $842674.26 | 30.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.85 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 81879 |  |  |  | N/A |  |  |  | No | Yes | $6871.75 | $5018.57 |  | 6.164% | [Redacted] | [Redacted] | 5.990% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9559.34 | 1 | [Redacted] | $1721.04 | [Redacted] | $143.42 |  |  |  |  |  | 36.439% | 36.439% | 36.439% | 10/21/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2012<br> [Coborrower(s) - \| Primary Income - Disability]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Disability]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Disability]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Disability]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6871.75 |  | 6.290% | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | 5.990% | 1 | 1 | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $89760.31 | 30.950% | 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 |  |  |  |  |  |  |  |  |  |  |  | 158.85 | Broker | Yes | No |  | $9495.87 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 58050 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $21841.45 |  | 6.767% | [Redacted] | [Redacted] | 6.750% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $81473.05 | 1 | [Redacted] | $17498.04 | [Redacted] | $1458.17 |  |  |  |  |  | 30.570% | 30.570% | 30.570% | 10/15/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.290% | $0.00 | 2.7 |  |  |  | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.57 | Retail |  | No |  | $0.00 | $16666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 84607 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $3594.62 | $367.72 |  | 7.725% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5529.93 | 1 | [Redacted] | $1636.08 | [Redacted] | $136.34 |  |  |  |  |  | 18.184% | 18.184% | 18.184% | 10/09/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3594.62 |  | 6.160% | $7500.00 | 3.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $39343.55 | 26.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91254 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27593.71 | $28970.82 |  | 7.513% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17068.05 | 1 | [Redacted] | $5029.56 | [Redacted] | $419.13 |  |  |  |  |  | 49.342% | 49.342% | 49.342% |  | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $27593.71 |  | 6.240% | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1005750.23 |  | No | 8 | 7 |  |  | 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 | 112.03 | Retail | No | No |  | $0.00 | $15833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 53717 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5330.00 | $5965.83 |  | 7.122% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4622.67 | 1 | [Redacted] | $1916.04 | [Redacted] | $159.67 |  |  |  |  |  | 44.259% | 44.259% | 44.259% | 09/29/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<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 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5330.00 |  | 6.290% | $0.00 | 3.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $3782.11 |  | 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 | 44.66 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 31327 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3232.22 | $6460.12 |  | 6.833% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13431.05 | 1 | [Redacted] | $5691.96 | [Redacted] | $474.33 |  |  |  |  |  | 37.992% | 37.992% | 37.992% | 10/14/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3232.22 |  | 6.290% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.750% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 25550 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1399.00 | $15315.48 |  | 6.881% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43310.07 | 1 | [Redacted] | $3380.04 | [Redacted] | $281.67 |  |  |  |  |  | 45.503% | 45.503% | 45.503% | 09/30/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1399.00 |  | 6.160% | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $1284126.79 |  | 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 | 61.62 | Retail | No | No |  | $0.00 | $42125.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
|  | 12435 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.860% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8212.33 | 1 | [Redacted] | $2621.04 | [Redacted] | $218.42 |  |  |  |  |  | 18.923% | 18.923% | 18.923% | 09/04/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.570% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 6.875% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $3796.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.91 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 70252 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3525.84 | [Redacted] | $293.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | [Redacted] | $1409172.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 153.03 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 58624 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3572.16 | [Redacted] | $297.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 88.34 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
|  | 53048 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $939.48 | [Redacted] | $78.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redacted] | $1000.00 | 0.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.8 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 95952 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1530.00 | [Redacted] | $127.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $51011.08 | 15.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 87.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 54434 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $642.00 | [Redacted] | $53.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redacted] | $189393.27 | 46.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.17 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 41329 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2028.96 | [Redacted] | $169.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redacted] | $257532.24 | 72.340% | 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 |  |  |  |  |  |  |  |  |  |  |  | 66.07 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 41213 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $4661.04 | [Redacted] | $388.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.56 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 59846 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $3759.00 | [Redacted] | $313.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redacted] | $556577.41 | 92.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.06 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 22784 |  |  |  | N/A |  |  |  | No | No | $43548.60 | $27453.02 |  | 9.068% | [Redacted] | [Redacted] | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $66408.25 | 1 | [Redacted] | $5151.00 | [Redacted] | $429.25 |  |  |  |  |  | 18.617% | 18.617% | 18.617% | 09/29/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $43548.60 |  | 6.160% | $0.00 | 1.1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $296636.92 | 34.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 68159 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11240.00 | $18542.43 |  | 6.833% | [Redacted] | [Redacted] | 6.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9763.39 | 1 | [Redacted] | $1032.96 | [Redacted] | $86.08 |  |  |  |  |  | 46.580% | 46.580% | 46.580% | 09/16/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11240.00 |  | 6.320% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $46716.47 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.95 | Broker |  | No |  | $18276.52 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 52135 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6065.00 | $8053.11 |  | 7.367% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41364.40 | 1 | [Redacted] | $955.20 | [Redacted] | $79.60 |  |  |  |  |  | 11.548% | 11.548% | 11.548% | 07/16/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6065.00 |  | 6.310% | $0.00 | 3.3 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $8911.24 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.24 | Retail |  | No |  | $22882.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 19906 |  |  |  | N/A |  |  |  | No | No | $1395.00 | $3826.41 |  | 7.307% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10740.43 | 1 | [Redacted] | $4694.88 | [Redacted] | $391.24 |  |  |  |  |  | 47.462% | 47.462% | 47.462% | 08/26/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | 6.310% | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $314136.70 | 57.110% | No | 21 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 50.18 | Retail | No | No |  | $0.00 | $5157.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 40154 |  |  |  | Non QM |  |  |  | Yes | No | $3640.00 | $6077.50 |  | 7.552% | [Redacted] | [Redacted] | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35488.93 | 1 | [Redacted] | $4378.56 | [Redacted] | $364.88 |  |  |  |  |  | 34.527% | 31.861% | 34.527% | 09/24/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3640.00 |  | 6.310% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redacted] | $97329.65 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.34 | Retail |  | No |  | $54203.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
|  | 11391 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | 2 | [Redacted] | $3131.04 | [Redacted] | $260.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | [Redacted] | $17730.42 | 1.500% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  | 6.47 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 77117 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $812.04 | [Redacted] | $67.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 100.68 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
|  | 98754 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2236.92 | [Redacted] | $186.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 116.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 80313 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $9743.16 | [Redacted] | $811.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/21/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redacted] | $641741.84 | 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 |  |  |  |  |  |  |  |  |  |  |  | 124.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 64808 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2607.00 | [Redacted] | $217.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $1341983.27 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 240.54 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66111 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2199.09 | $3764.17 |  | 6.584% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14306.39 | 1 | [Redacted] | $3123.48 | [Redacted] | $260.29 |  |  |  |  |  | 19.819% | 19.819% | 19.819% | 07/11/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2199.09 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $74646.31 | 19.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.93 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 64081 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1630.00 | $4260.19 |  | 7.654% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19004.24 | 1 | [Redacted] | $3299.04 | [Redacted] | $274.92 |  |  |  |  |  | 49.530% | 49.530% | 49.530% | 08/21/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1630.00 |  | 6.570% | $0.00 | 3.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.03 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 19636 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $821.04 | [Redacted] | $68.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Final | 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 | 18.28 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 58678 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2331.96 | [Redacted] | $194.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 96253 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2802.00 | [Redacted] | $233.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 60935 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.488% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Employed | Employed | Employed | 3.5 | 2.48 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $17533.68 | 1 | [Redacted] | $1286.04 | [Redacted] | $107.17 |  |  |  |  |  | 28.638% | 28.638% | 28.638% | 10/29/2025 | 753 | 753 | 766 | 735 | 725 | 758 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; W-2 - 2024<br> [Coborrower(s) - \| 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.170% | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 | 1 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $122210.59 | 54.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | 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 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 82.25 |  | No | No |  | $0.00 | $19517.48 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 37157 |  |  |  | Non QM |  |  |  | Yes | No | $15082.43 | $3438.34 |  | 6.696% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28004.22 | 1 | [Redacted] | $1789.08 | [Redacted] | $149.09 |  |  |  |  |  | 20.653% | 20.653% | 20.653% | 11/05/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15082.43 |  | 6.170% | $17500.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 648.63 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 27702 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $22010.80 | $4807.50 |  | 6.530% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8678.86 | 1 | [Redacted] | $2676.00 | [Redacted] | $223.00 |  |  |  |  |  | 49.930% | 49.930% | 49.930% | 10/21/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 |  |  |  | $22010.80 |  | 6.160% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $9517.02 |  | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 79744 |  |  |  | Non QM |  |  |  | Yes | No | $20411.54 | $3961.29 |  | 8.171% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30323.27 | 1 | [Redacted] | $3458.04 | [Redacted] | $288.17 |  |  |  |  |  | 33.693% | 33.693% | 33.693% | 10/30/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20411.54 |  | 6.160% | $33500.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $82328.80 | 10.480% | 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 |  |  |  |  |  |  |  |  |  |  |  | 46.03 |  | Yes | No |  | $0.00 | $5791.69 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 61391 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8875.00 | $9169.32 |  | 6.499% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8573.23 | 1 | [Redacted] | $1305.00 | [Redacted] | $108.75 |  |  |  |  |  | 39.837% | 39.837% | 39.837% | 10/18/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8875.00 |  | 6.240% | $6537.50 | 1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $179957.96 | 22.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 11829 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14882.50 | $4506.06 |  | 6.647% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23677.36 | 1 | [Redacted] | $6476.52 | [Redacted] | $539.71 |  |  |  |  |  | 33.524% | 33.524% | 33.524% | 10/10/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14882.50 |  | 6.160% | ($40656.08) | 1.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $2926851.43 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 203.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66413 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2047.08 | [Redacted] | $170.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redacted] | $196927.35 | 43.180% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 42497 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1610.04 | [Redacted] | $134.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  | 240 | [Redacted] | $8453.50 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46688 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1735.56 | [Redacted] | $144.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/27/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redacted] | $140402.44 | 36.940% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 |
|  | 29138 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1065.24 | [Redacted] | $88.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redacted] | $523561.54 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.28 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 59623 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1610.04 | [Redacted] | $134.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | [Redacted] | $1963192.36 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 840.64 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 66522 |  |  |  | Non QM |  |  |  | Yes | No | $18433.78 | $5832.35 |  | 6.978% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23124.68 | 1 | [Redacted] | $954.48 | [Redacted] | $79.54 |  |  |  |  |  | 16.900% | 16.900% | 16.900% | 08/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18433.78 |  | 6.220% | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $810701.89 | 69.130% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.63 |  |  | No |  | $13635.47 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46878 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | 7.977% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4603.48 | 2 | [Redacted] | $1686.00 | [Redacted] | $140.50 |  |  |  |  |  | 32.978% | 32.978% | 32.978% | 08/28/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $55320.39 | 27.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.9 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66637 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3478.00 | $3853.56 |  | 6.577% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8560.45 | 1 | [Redacted] | $2034.00 | [Redacted] | $169.50 |  |  |  |  |  | 39.919% | 39.919% | 39.919% | 10/01/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 |  |  | [Redacted] | $3478.00 |  | 6.240% | $0.00 | 2.5 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $80914.56 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.85 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 93982 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3247.41 | $7597.55 |  | 6.968% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2774.19 | 1 | [Redacted] | $1716.96 | [Redacted] | $143.08 |  |  |  |  |  | 47.996% | 47.996% | 47.996% | 08/25/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3247.41 |  | 6.240% | $124800.00 | 3.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $80895.98 | 18.460% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.73 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 88906 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $895.00 | $1459.80 |  | 8.153% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5602.57 | 1 | [Redacted] | $2543.04 | [Redacted] | $211.92 |  |  |  |  |  | 44.598% | 44.598% | 44.598% | 09/15/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $895.00 |  | 6.310% | $0.00 | 4.5 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $224471.42 | 39.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10861 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1615.00 | $1085.30 |  | 7.901% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50112.58 | 1 | [Redacted] | $1232.76 | [Redacted] | $102.73 |  |  |  |  |  | 10.563% | 10.563% | 10.563% | 09/17/2025 | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1615.00 |  | 6.540% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $19969.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.67 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91217 |  |  |  | N/A |  |  |  | No | Yes | $20897.65 | $7878.86 |  | 6.578% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7756.71 | 1 | [Redacted] | $679.20 | [Redacted] | $56.60 |  |  |  |  |  | 47.897% | 47.897% | 47.897% | 09/16/2025 | 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]; Paystubs - 2024<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 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20897.65 |  | 6.290% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $940050.62 | 56.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.34 | Broker |  | No |  | $0.00 | $14887.15 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 56905 |  |  |  | N/A |  |  |  | No | Yes | $1330.00 | $3235.45 |  | 6.263% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28311.86 | 1 | [Redacted] | $2432.04 | [Redacted] | $202.67 |  |  |  |  |  | 36.863% | 36.863% | 36.863% | 10/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1330.00 |  | 6.290% | $7500.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $508725.72 | 59.500% | No | 21 | 22 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 65.33 | Retail | No | No |  | $0.00 | $23175.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 22654 |  |  |  | Non QM |  |  |  | Yes | No | $6608.66 | $7986.98 |  | 7.180% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7447.07 | 1 | [Redacted] | $1245.96 | [Redacted] | $103.83 |  |  |  |  |  | 41.155% | 41.155% | 41.155% | 10/13/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6608.66 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83489 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2900.04 | [Redacted] | $241.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] | $434626.19 | 45.750% | Yes |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 33644 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $2415.96 | [Redacted] | $201.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 31.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 61677 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.488% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9124.91 | 1 | [Redacted] | $1920.00 | [Redacted] | $160.00 |  |  |  |  |  | 18.209% | 18.209% | 18.209% | 10/02/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 6.500% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $30818.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 9.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 29496 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5183.75 | $8102.41 |  | 6.147% | [Redacted] | [Redacted] | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $109115.12 | 1 | [Redacted] | $1462.92 | [Redacted] | $121.91 |  |  |  |  |  | 7.378% | 7.378% | 7.378% | 09/24/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5183.75 |  | 6.290% | $15000.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | 5.750% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1228563.36 | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 759.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 60427 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9775.00 | $11523.70 |  | 7.387% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35488.74 | 1 | [Redacted] | $1581.96 | [Redacted] | $131.83 |  |  |  |  |  | 13.773% | 13.773% | 13.773% | 10/28/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9775.00 |  | 6.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 87007 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17898.40 | $11554.00 |  | 6.768% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16485.71 | 1 | [Redacted] | $1899.84 | [Redacted] | $158.32 |  |  |  |  |  | 44.449% | 44.449% | 44.449% | 10/20/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17898.40 |  | 6.240% | $0.00 | 2.7 | DU |  | ApproveEligible | N/A | No | 6.625% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $15034.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 82419 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6248.82 | $4954.15 |  | 6.716% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6449.47 | 1 | [Redacted] | $2402.64 | [Redacted] | $200.22 |  |  |  |  |  | 44.719% | 44.719% | 44.719% | 10/24/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6248.82 |  | 6.260% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $725.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 70601 |  |  |  | Non QM |  |  |  | Yes | No | $8573.32 | $3555.92 |  | 7.912% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13992.45 | 1 | [Redacted] | $1428.48 | [Redacted] | $119.04 |  |  |  |  |  | 23.720% | 23.720% | 23.720% | 10/16/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8573.32 |  | 6.160% | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 61.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 57024 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8495.00 | $5854.10 |  | 6.633% | [Redacted] | [Redacted] | 6.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10724.25 | 1 | [Redacted] | $3971.04 | [Redacted] | $330.92 |  |  |  |  |  | 38.764% | 38.764% | 38.764% | 08/05/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<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<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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8495.00 |  | 6.230% | $0.00 | 2.5 |  |  |  | N/A | No | 6.500% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $613306.24 |  | 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 | 112.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 92795 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13697.50 | $6885.18 |  | 6.421% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Self-Employed | Self-Employed |  | 17.23 |  |  | US Citizen | US Citizen |  |  |  |  |  | $9851.55 | 1 | [Redacted] | $2228.16 | [Redacted] | $185.68 |  |  |  |  |  | 48.827% | 48.827% | 48.827% | 09/03/2025 | 766 | 757 | 808 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13697.50 |  | 6.160% | $0.00 | 4.1 | DU |  | ApproveEligible | N/A | No | 6.375% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $10134.24 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | 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 | 10.18 |  | No | No |  | $16212.96 | $3038.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 57835 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1604.88 | [Redacted] | $133.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 47.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  |
|  | 69855 |  |  |  | Non QM |  |  |  | Yes | No | $6043.38 | $2372.05 |  | 7.484% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5830.86 | 1 | [Redacted] | $2130.00 | [Redacted] | $177.50 |  |  |  |  |  | 35.171% | 35.171% | 35.171% | 10/24/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6043.38 |  | 6.260% | $0.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 16918 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5798.00 | $4558.60 |  | 6.695% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9266.01 | 1 | [Redacted] | $2042.04 | [Redacted] | $170.17 |  |  |  |  |  | 41.267% | 41.267% | 41.267% | 10/01/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5798.00 |  | 6.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $9727.62 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 2.26 |  |  | No |  | $0.00 | $5205.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 69487 |  |  |  | Non QM |  |  |  | Yes | No | $21767.00 | $7148.90 |  | 7.369% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20567.54 | 1 | [Redacted] | $12267.24 | [Redacted] | $1022.27 |  |  |  |  |  | 21.073% | 21.073% | 21.073% | 10/13/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21767.00 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $70000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 68807 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1399.00 | $5810.08 |  | 7.160% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $16664.20 | 1 | [Redacted] | $1617.96 | [Redacted] | $134.83 |  |  |  |  |  | 35.666% | 35.666% | 35.666% | 08/11/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2020<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2020 | [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 |  |  | [Redacted] | $1399.00 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $30888.87 |  | 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 |  |  | No | 5.01 | Retail | No | No |  | $12951.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 78834 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6143.50 | $9259.69 |  | 6.649% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5683.84 | 1 | [Redacted] | $740.04 | [Redacted] | $61.67 |  |  |  |  |  | 31.153% | 31.153% | 31.153% | 09/10/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6143.50 |  | 6.240% | $4200.00 | 1.4 |  |  |  | N/A | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $188222.64 | 56.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.87 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 72979 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $2959.95 |  | 6.585% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14764.58 | 1 | [Redacted] | $1350.48 | [Redacted] | $112.54 |  |  |  |  |  | 27.826% | 27.826% | 27.826% | 10/27/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.160% | $0.00 | 4 |  |  |  | N/A | No | 6.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $22641.11 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.64 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 51812 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2241.36 | [Redacted] | $186.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redacted] | $8045.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.1 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 56372 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $2319.00 | [Redacted] | $193.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] | $50365.22 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 16.37 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 64857 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2107.80 | [Redacted] | $175.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $574556.87 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 151.64 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 35411 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1520.04 | [Redacted] | $126.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redacted] | $196524.06 | 57.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.26 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 86964 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $3364.80 | [Redacted] | $280.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 101.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 98626 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1435.20 | [Redacted] | $119.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redacted] | $725796.83 |  | 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 |  |  |  | Yes | 268.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 81018 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $3336.24 | [Redacted] | $278.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redacted] | $2000.00 | 0.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 11.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 97974 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18620.00 | $1961.50 |  | 7.028% | [Redacted] | [Redacted] | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15615.14 | 1 | [Redacted] | $10887.84 | [Redacted] | $907.32 |  |  |  |  |  | 41.527% | 41.527% | 41.527% | 11/05/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18620.00 |  | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $1604381.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26181 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redacted] | $1083.96 | [Redacted] | $90.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  | 240 | [Redacted] | $438905.01 | 58.910% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Trust | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 43.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 37421 |  |  |  | Non QM |  |  |  | Yes | No | $16620.00 | $18553.78 |  | 6.961% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16094.12 | 1 | [Redacted] | $4830.00 | [Redacted] | $402.50 |  |  |  |  |  | 28.523% | 28.523% | 28.523% | 09/30/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16620.00 |  | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 86451 |  |  |  | Non QM |  |  |  | Yes | No | $16501.75 | $25634.75 |  | 6.905% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53987.82 | 1 | [Redacted] | $3905.04 | [Redacted] | $325.42 |  |  |  |  |  | 40.053% | 38.213% | 40.053% | 10/27/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16501.75 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  | 240 | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58150 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5568.36 | $9942.56 |  | 7.206% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8954.95 | 1 | [Redacted] | $690.60 | [Redacted] | $57.55 |  |  |  |  |  | 21.416% | 21.416% | 21.416% | 10/10/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5568.36 |  | 6.170% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $207477.67 | 84.680% | 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 |  |  |  |  |  |  |  |  |  |  |  | 67.43 |  | No | No |  | $1772.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34057 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redacted] | $2091.00 | [Redacted] | $174.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card | Resident Alien Card |  | No | 69.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 72238 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3666.96 | [Redacted] | $305.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redacted] | $1317002.56 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 60055 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9250.00 | $2109.37 |  | 6.412% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22208.26 | 1 | [Redacted] | $546.00 | [Redacted] | $45.50 |  |  |  |  |  | 25.350% | 25.350% | 25.350% | 10/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9250.00 |  | 6.160% | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | 6.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $255562.45 | 35.490% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 12063 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $4055.88 | [Redacted] | $337.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.28 | 0.31 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 90.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 52298 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1833.96 | [Redacted] | $152.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | [Redacted] | $233034.93 | 31.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
|  | 81658 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $3083.64 | [Redacted] | $256.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] | $493071.76 | 58.070% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 36191 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.947% | [Redacted] | [Redacted] | 7.000% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17190.32 | 1 | [Redacted] | $3884.52 | [Redacted] | $323.71 |  |  |  |  |  | 49.430% | 49.430% | 49.430% | 10/13/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2018 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.290% | $536.40 | 1.9 | DU |  | ApproveEligible | N/A | No | 7.000% | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $461264.44 | 61.910% | 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 |  |  |  |  |  |  |  |  |  |  |  | 67.55 |  | Yes | No |  | $0.00 | $33993.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
|  | 58600 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5920.00 | $6047.27 |  | 6.741% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5773.04 | 1 | [Redacted] | $3295.56 | [Redacted] | $274.63 |  |  |  |  |  | 40.148% | 40.148% | 40.148% | 09/17/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5920.00 |  | 6.320% | $0.00 | 3.9 | LP / LPA |  | Accept/Eligible | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | 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 |  |  |  | No |  | $553.65 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83809 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1580.00 | $6435.50 |  | 6.170% | [Redacted] | [Redacted] | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13630.14 | 1 | [Redacted] | $1799.04 | [Redacted] | $149.92 |  |  |  |  |  | 49.767% | 49.767% | 49.767% | 09/11/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1580.00 |  | 6.160% | $0.00 | 3 | DU |  | ApproveEligible | N/A | No | 6.125% | 0 |  | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $757714.36 | 56.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.39 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 46277 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $387.20 | $2795.30 |  | 7.676% | [Redacted] | [Redacted] | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6748.46 | 1 | [Redacted] | $2586.96 | [Redacted] | $215.58 |  |  |  |  |  | 35.211% | 35.211% | 35.211% | 09/15/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Plaid Payroll Report - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $387.20 |  | 6.220% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $80621.80 |  | 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 | 25.56 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76085 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13310.00 | $22470.41 |  | 7.234% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5652.43 | 1 | [Redacted] | $4664.52 | [Redacted] | $388.71 |  |  |  |  |  | 41.889% | 41.889% | 41.889% | 10/01/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13310.00 |  | 6.310% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83234 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2285.00 | $4627.53 |  | 7.185% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9038.73 | 1 | [Redacted] | $2063.88 | [Redacted] | $171.99 |  |  |  |  |  | 46.603% | 46.603% | 46.603% | 09/04/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2285.00 |  | 6.240% | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $53376.96 |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.94 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 53537 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3012.00 | $7200.50 |  | 7.182% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3900.31 | 1 | [Redacted] | $1848.48 | [Redacted] | $154.04 |  |  |  |  |  | 38.813% | 38.813% | 38.813% | 10/24/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3012.00 |  | 6.170% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90180 |  |  |  | N/A |  |  |  | No | Yes | $1895.00 | $4050.06 |  | 6.617% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26080.27 | 1 | [Redacted] | $774.00 | [Redacted] | $64.50 |  |  |  |  |  | 20.450% | 20.450% | 20.450% | 10/09/2025 | 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1895.00 |  | 6.290% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.500% | 2 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $575873.85 | 100.000% | No | 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 |  |  |  |  |  |  |  |  |  |  |  | 148.35 | Retail | No | No |  | $18647.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 65527 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.960% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6568.21 | 1 | [Redacted] | $1132.92 | [Redacted] | $94.41 |  |  |  |  |  | 39.438% | 39.438% | 39.438% | 10/20/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $19723.08 |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.73 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 25969 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.725% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6798.92 | 1 | [Redacted] | $1302.96 | [Redacted] | $108.58 |  |  |  |  |  | 49.296% | 49.296% | 49.296% | 10/23/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $61422.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.5 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 67749 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.862% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43553.86 | 1 | [Redacted] | $3839.04 | [Redacted] | $319.92 |  |  |  |  |  | 49.548% | 49.548% | 49.548% | 09/30/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 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 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.160% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $2284694.21 |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 361.11 | Retail | No | No |  | $0.00 | $9750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 94309 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $1221.00 | [Redacted] | $101.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redacted] | $286178.14 | 81.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 84.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 79321 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | [Redacted] | $1740.96 | [Redacted] | $145.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redacted] | $289177.60 | 44.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 22.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 64537 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1026.00 | [Redacted] | $85.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  | 240 | [Redacted] | $162803.59 |  | 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 | 42.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 64568 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1068.00 | [Redacted] | $89.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 123.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 80468 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1749.24 | [Redacted] | $145.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 72.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 54778 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.206% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12924.93 | 1 | [Redacted] | $4827.96 | [Redacted] | $402.33 |  |  |  |  |  | 45.679% | 45.679% | 45.679% | 10/23/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | 6.250% | 1 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $70851.04 |  | No | 31 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  | No | No |  | $7243.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 48728 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22355.88 | $23170.76 |  | 6.802% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $115953.42 | 1 | [Redacted] | $1680.96 | [Redacted] | $140.08 |  |  |  |  |  | 10.836% | 10.836% | 10.836% | 09/18/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22355.88 |  | 6.260% | $0.00 | 2.4 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $984965.49 | 49.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 25008 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18475.00 | $8014.13 |  | 6.656% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15629.23 | 1 | [Redacted] | $4595.16 | [Redacted] | $382.93 |  |  |  |  |  | 43.553% | 43.553% | 43.553% | 10/31/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18475.00 |  | 6.170% | $0.00 | 2.2 | LP / LPA |  | Accept/Eligible | No | No | 6.625% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  |  |  | No |  | $0.00 | $13876.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 37540 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1395.00 | $3811.78 |  | 7.084% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6307.12 | 1 | [Redacted] | $2510.52 | [Redacted] | $209.21 |  |  |  |  |  | 39.285% | 39.285% | 39.285% | 10/09/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | 6.160% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $9080.07 |  | No |  | 34 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.02 | Retail |  | No |  | $0.00 | $5775.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 23156 |  |  |  | N/A |  |  |  | No | Yes | $1495.00 | $2872.08 |  | 5.491% | [Redacted] | [Redacted] | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4066.83 | 1 | [Redacted] | $665.04 | [Redacted] | $55.42 |  |  |  |  |  | 38.467% | 38.467% | 38.467% | 09/30/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1495.00 |  | 6.310% | $3500.00 | 1 | DU |  | ApproveEligible | N/A | No | 5.375% | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $99305.05 | 35.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.22 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 15290 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.707% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9793.50 | 1 | [Redacted] | $1611.96 | [Redacted] | $134.33 |  |  |  |  |  | 40.456% | 40.456% | 40.456% | 09/12/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $506681.97 | 39.890% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 20425 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8806.25 | $11839.53 |  | 6.771% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9413.53 | 1 | [Redacted] | $2206.20 | [Redacted] | $183.85 |  |  |  |  |  | 47.946% | 47.946% | 47.946% | 11/19/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8806.25 |  | 6.230% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 6.625% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $80663.73 |  | No | 33 | 21 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.23 |  | No | No |  | $1393.04 | $8357.11 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 88318 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7126.50 | $9738.22 |  | 7.996% | [Redacted] | [Redacted] | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7815.75 | 2 | [Redacted] | $1372.08 | [Redacted] | $114.34 |  |  |  |  |  | 33.462% | 33.462% | 33.462% | 10/15/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $7126.50 |  | 6.240% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | 7.750% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $50000.00 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.41 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 20330 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $2075.04 | [Redacted] | $172.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 793 | 789 | 828 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $186174.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 48.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 66519 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redacted] | $3080.04 | [Redacted] | $256.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redacted] | $158232.34 | 35.960% | 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 |  |  |  |  | VISA | Resident Alien Card |  |  | 39.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 28863 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14855.00 | $21263.24 |  | 6.373% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $60367.40 | 1 | [Redacted] | $7119.48 | [Redacted] | $593.29 |  |  |  |  |  | 14.610% | 14.610% | 14.610% | 11/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14855.00 |  | 6.260% | $0.00 | 2.7 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 19610 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6761.80 | $10109.30 |  | 6.482% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $6072.03 | 1 | [Redacted] | $1587.00 | [Redacted] | $132.25 |  |  |  |  |  | 33.553% | 33.553% | 33.553% | 11/10/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6761.80 |  | 6.260% | $32000.00 | 2.5 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $52129.28 | 11.580% | 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 |  |  |  |  | 7.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 84712 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9285.00 | $13128.24 |  | 7.010% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9225.13 | 1 | [Redacted] | $2010.12 | [Redacted] | $167.51 |  |  |  |  |  | 43.960% | 43.960% | 43.960% | 11/04/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9285.00 |  | 6.230% | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $148800.75 |  | 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 | 25.41 |  |  | No |  | $0.00 | $5034.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58610 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1298.04 | [Redacted] | $108.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 89.65 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 29020 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3491.04 | [Redacted] | $290.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [Redacted] | $250539.75 | 27.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
|  | 64896 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1185.36 | [Redacted] | $98.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redacted] | $3930.00 | 1.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 75460 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1830.96 | [Redacted] | $152.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | [Redacted] | $289472.76 | 38.340% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 20556 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1983.00 | [Redacted] | $165.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redacted] | $9796.39 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 65128 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9338.50 | $15995.25 |  | 6.809% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Self-Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8456.27 | 1 | [Redacted] | $3071.04 | [Redacted] | $255.92 |  |  |  |  |  | 36.526% | 36.526% | 36.526% | 09/16/2025 | 812 | 793 | 814 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9338.50 |  | 6.260% | $3500.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $723177.16 | 73.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | 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 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 41.11 |  |  | No |  | $9311.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 32200 |  |  |  | Non QM |  |  |  | Yes | No | $15168.79 | $5351.78 |  | 7.439% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6712.20 | 1 | [Redacted] | $2819.88 | [Redacted] | $234.99 |  |  |  |  |  | 38.463% | 38.463% | 38.463% | 10/20/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15168.79 |  | 6.240% | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44764 |  |  |  | Non QM |  |  |  | Yes | No | $11452.00 | $4872.38 |  | 6.994% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5032.09 | 1 | [Redacted] | $4455.60 | [Redacted] | $371.30 |  |  |  |  |  | 38.234% | 38.234% | 38.234% | 11/04/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11452.00 |  | 6.170% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redacted] | $488828.62 |  | 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 | 41.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10677 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6800.00 | $8701.54 |  | 6.837% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4943.66 | 1 | [Redacted] | $833.28 | [Redacted] | $69.44 |  |  |  |  |  | 49.521% | 49.521% | 49.521% | 11/18/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6800.00 |  | 6.230% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 6.625% | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $67411.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 99867 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18089.44 | $22298.67 |  | 7.039% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7845.24 | 1 | [Redacted] | $3013.92 | [Redacted] | $251.16 |  |  |  |  |  | 44.997% | 44.997% | 44.997% | 08/13/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $18089.44 |  | 6.570% | $15000.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $100419.92 | 11.600% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 94614 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18940.37 | $16490.37 |  | 7.127% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28881.77 | 1 | [Redacted] | $5082.12 | [Redacted] | $423.51 |  |  |  |  |  | 31.285% | 31.285% | 31.285% | 08/08/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 79.200% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 79.20% \| 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: 79.20% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 79.20% \| 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 |  |  | [Redacted] | $18940.37 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $251188.48 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 99578 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9822.65 | $3729.58 |  | 7.031% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12199.89 | 1 | [Redacted] | $6781.20 | [Redacted] | $565.10 |  |  |  |  |  | 44.535% | 44.535% | 44.535% | 10/02/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9822.65 |  | 6.310% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $35061.63 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 65892 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13293.75 | $2991.49 |  | 6.859% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17280.91 | 1 | [Redacted] | $4037.04 | [Redacted] | $336.42 |  |  |  |  |  | 44.066% | 44.066% | 44.066% | 08/12/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13293.75 |  | 6.630% | $60000.00 | 3.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $169516.52 | 9.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 30432 |  |  |  | Non QM |  |  |  | Yes | No | $11984.86 | $6707.46 |  | 7.391% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15363.30 | 1 | [Redacted] | $1196.52 | [Redacted] | $99.71 |  |  |  |  |  | 20.134% | 20.134% | 20.134% | 06/23/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11984.86 |  | 6.320% | $20000.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $96115.00 | 22.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 95208 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8250.00 | $9002.55 |  | 7.422% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7426.64 | 1 | [Redacted] | $1435.32 | [Redacted] | $119.61 |  |  |  |  |  | 42.858% | 42.858% | 42.858% | 08/14/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<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 - 2021 | [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 |  |  | [Redacted] | $8250.00 |  | 6.320% | $40000.00 | 4.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $37942.10 | 6.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14917 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5020.50 | $6816.91 |  | 7.343% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2597.85 | 1 | [Redacted] | $1902.12 | [Redacted] | $158.51 |  |  |  |  |  | 44.345% | 44.345% | 44.345% | 08/05/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5020.50 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $10644.04 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 21264 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6406.78 | $2577.98 |  | 7.717% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8604.74 | 1 | [Redacted] | $2627.28 | [Redacted] | $218.94 |  |  |  |  |  | 27.309% | 27.309% | 27.309% | 08/06/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | [Redacted] | $6406.78 |  | 6.220% | $8185.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $37238.03 | 9.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 50845 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19055.80 | $9317.71 |  | 6.818% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $66861.18 | 1 | [Redacted] | $3009.96 | [Redacted] | $250.83 |  |  |  |  |  | 17.315% | 17.315% | 17.315% | 07/14/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19055.80 |  | 6.570% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $539187.61 | 39.930% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 21400 |  |  |  | Non QM |  |  |  | Yes | No | $4126.25 | $0.00 |  | 7.608% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18701.46 | 1 | [Redacted] | $1062.00 | [Redacted] | $88.50 |  |  |  |  |  | 37.048% | 37.048% | 37.048% | 09/09/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 64.00000% \| 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: 64.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 64.00000% \| 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: 64.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4126.25 |  | 6.540% | $9200.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $74981.80 | 44.890% | 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 |  |  |  |  |  |  |  |  |  |  |  | 28.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 84339 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4009.06 | $0.00 |  | 7.608% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $78805.80 | 1 | [Redacted] | $681.24 | [Redacted] | $56.77 |  |  |  |  |  | 13.237% | 13.237% | 13.237% | 08/20/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4009.06 |  | 6.320% | $6900.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $148330.50 | 42.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 97364 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5600.50 | $6681.17 |  | 7.132% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15838.04 | 1 | [Redacted] | $3195.00 | [Redacted] | $266.25 |  |  |  |  |  | 29.031% | 29.031% | 29.031% | 08/07/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5600.50 |  | 6.750% | $0.00 | 3.9 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $43906.13 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 85939 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5353.75 | $1150.80 |  | 7.125% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3259.58 | 1 | [Redacted] | $1705.80 | [Redacted] | $142.15 |  |  |  |  |  | 44.606% | 44.605% | 44.605% | 08/05/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50.000% | 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<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5353.75 |  | 6.220% | $10000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $141786.75 | 49.740% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.62 |  |  | No |  | $2925.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 38888 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4560.00 | $3544.66 |  | 6.990% | [Redacted] | [Redacted] | 6.990% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20271.43 | 1 | [Redacted] | $1416.00 | [Redacted] | $118.00 |  |  |  |  |  | 38.449% | 38.449% | 38.449% | 08/25/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4560.00 |  | 6.630% | $17000.00 | 2.5 |  |  |  | N/A | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | [Redacted] | $2745698.51 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 226.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 59340 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5004.63 | $7126.23 |  | 7.110% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3163.64 | 1 | [Redacted] | $1122.00 | [Redacted] | $93.50 |  |  |  |  |  | 34.793% | 34.793% | 34.793% | 08/05/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5004.63 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $55145.35 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 36.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 79661 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6495.00 | $6493.41 |  | 7.098% | [Redacted] | [Redacted] | 6.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7262.61 | 1 | [Redacted] | $2210.04 | [Redacted] | $184.17 |  |  |  |  |  | 42.883% | 42.883% | 42.883% | 08/03/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6495.00 |  | 6.750% | $0.00 | 4.1 |  |  |  | N/A | No | 6.875% | 0 | 1 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $133558.67 | 39.280% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.6 |  | No | No |  | $0.00 | $12715.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 36147 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12025.00 | $4052.35 |  | 6.549% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37853.98 | 1 | [Redacted] | $9117.96 | [Redacted] | $759.83 |  |  |  |  |  | 30.021% | 30.021% | 30.021% | 08/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; Account Statements - Business - 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]; 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 - \| Non-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 - 2025<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12025.00 |  | 6.630% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $735461.48 | 54.090% | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 18490 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6286.55 | $7028.32 |  | 7.202% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12110.95 | 1 | [Redacted] | $5786.04 | [Redacted] | $482.17 |  |  |  |  |  | 24.433% | 24.433% | 24.433% | 08/01/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6286.55 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 2 | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $53073.94 |  | 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 | 18.14 |  |  | No |  | $0.00 | $17398.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 40711 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7380.00 | $9030.58 |  | 7.313% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27991.08 | 1 | [Redacted] | $1230.00 | [Redacted] | $102.50 |  |  |  |  |  | 15.854% | 15.854% | 15.854% | 09/02/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # 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 |  |  | [Redacted] | $7380.00 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $98113.19 | 18.330% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 15083 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1550.00 | $2887.09 |  | 7.291% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15795.05 | 1 | [Redacted] | $5354.04 | [Redacted] | $446.17 |  |  |  |  |  | 40.420% | 40.420% | 40.420% | 08/20/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $1550.00 |  | 6.570% | $0.00 | 3.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $221849.61 | 27.730% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.93 |  | No | No |  | $13255.41 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 62430 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1938.75 | $903.75 |  | 7.634% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $103438.46 | 1 | [Redacted] | $2021.52 | [Redacted] | $168.46 |  |  |  |  |  | 17.097% | 17.097% | 17.097% | 07/30/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 |  |  | [Redacted] | $1938.75 |  | 6.320% | $3000.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $627303.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 300.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 33884 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3225.00 | $2223.23 |  | 7.099% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8049.19 | 1 | [Redacted] | $1134.00 | [Redacted] | $94.50 |  |  |  |  |  | 37.142% | 37.142% | 37.142% | 08/21/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3225.00 |  | 6.750% | $0.00 | 1.6 |  |  |  | N/A | No | 6.990% | 1 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47490 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5876.75 | $4174.49 |  | 7.074% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5771.20 | 1 | [Redacted] | $5571.00 | [Redacted] | $464.25 |  |  |  |  |  | 41.977% | 41.977% | 41.977% | 08/16/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 54.000% | 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]; 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 - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<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 |  |  | [Redacted] | $5876.75 |  | 6.610% | $0.00 | 2.5 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $22118.41 |  | 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 | 5.84 |  |  | No |  | $2410.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 12493 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5698.75 | $6315.90 |  | 7.159% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5945.00 | 1 | [Redacted] | $948.84 | [Redacted] | $79.07 |  |  |  |  |  | 43.356% | 43.355% | 43.355% | 08/11/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 54.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5698.75 |  | 6.750% | $0.00 | 2.8 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $32995.72 |  | 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 | 7.19 |  |  | No |  | $1224.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26966 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6661.38 | $9047.57 |  | 7.263% | [Redacted] | [Redacted] | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8825.66 | 1 | [Redacted] | $1382.04 | [Redacted] | $115.17 |  |  |  |  |  | 39.119% | 39.119% | 39.119% | 08/02/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6661.38 |  | 6.750% | $0.00 | 1.9 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 1 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $781366.95 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 283.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 79924 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10980.00 | $4538.38 |  | 7.086% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17162.65 | 1 | [Redacted] | $4986.00 | [Redacted] | $415.50 |  |  |  |  |  | 23.056% | 23.056% | 23.056% | 07/31/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10980.00 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $50866.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 59487 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2636.50 | $4989.18 |  | 7.262% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5553.59 | 1 | [Redacted] | $1145.04 | [Redacted] | $95.42 |  |  |  |  |  | 30.631% | 30.631% | 30.631% | 08/18/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2636.50 |  | 6.610% | $0.00 | 3.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $894.10 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48276 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21125.00 | $3125.00 |  | 6.741% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32882.65 | 1 | [Redacted] | $2714.04 | [Redacted] | $226.17 |  |  |  |  |  | 44.945% | 44.945% | 44.945% | 08/01/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<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 |  |  | [Redacted] | $21125.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $199368.51 |  | 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 | 29.23 |  | No | No |  | $59727.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
|  | 95195 |  |  |  | Non QM |  |  |  | Yes | No | $15443.75 | $15443.75 |  | 6.966% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24848.63 | 1 | [Redacted] | $5183.04 | [Redacted] | $431.92 |  |  |  |  |  | 34.444% | 31.382% | 34.444% | 08/01/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15443.75 |  | 6.320% | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 1 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $197516.65 | 12.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.11 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 14947 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10192.81 | $13685.76 |  | 6.993% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32358.52 | 1 | [Redacted] | $6453.00 | [Redacted] | $537.75 |  |  |  |  |  | 24.064% | 24.064% | 24.064% | 08/01/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10192.81 |  | 6.750% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $489052.40 | 38.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 37557 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2895.00 | $4667.55 |  | 6.797% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48289.70 | 1 | [Redacted] | $2708.52 | [Redacted] | $225.71 |  |  |  |  |  | 11.713% | 11.713% | 11.713% | 08/01/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2895.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 51566 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2245.00 | $0.00 |  | 7.084% | [Redacted] | [Redacted] | 7.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21516.13 | 1 | [Redacted] | $1545.96 | [Redacted] | $128.83 |  |  |  |  |  | 43.312% | 43.312% | 43.312% | 08/01/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% |  | 60.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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 - Bank Statements \| % of Business Ownership: 60.00% \| 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> [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 |  |  | [Redacted] | $2245.00 |  | 6.570% | $20000.00 | 1 |  |  |  | N/A | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $266312.16 | 23.670% | No | 32 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.02 | Retail | Yes | No |  | $25738.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
|  | 24149 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2811.00 | $5503.13 |  | 7.107% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7182.05 | 1 | [Redacted] | $2967.00 | [Redacted] | $247.25 |  |  |  |  |  | 36.639% | 36.639% | 36.639% | 08/25/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [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 |  |  | [Redacted] | $2811.00 |  | 6.610% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $21159.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 79888 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8434.75 | $9196.30 |  | 7.645% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12546.11 | 1 | [Redacted] | $2642.04 | [Redacted] | $220.17 |  |  |  |  |  | 30.382% | 30.382% | 30.382% | 08/17/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8434.75 |  | 6.540% | $1000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $85380.61 | 23.130% | Yes |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 20329 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11719.09 | $1839.33 |  | 6.995% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13215.04 | 1 | [Redacted] | $4569.00 | [Redacted] | $380.75 |  |  |  |  |  | 41.623% | 41.623% | 41.623% | 09/15/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11719.09 |  | 6.570% | $46750.00 | 3.9 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $20651.29 | 3.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 21759 |  |  |  | Non QM |  |  |  | Yes | No | $7700.00 | $7700.00 |  | 7.209% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24350.07 | 1 | [Redacted] | $3834.96 | [Redacted] | $319.58 |  |  |  |  |  | 43.425% | 42.218% | 43.425% | 08/04/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7700.00 |  | 6.320% | $0.00 | 2.3 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 93980 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4443.13 | $4567.48 |  | 7.280% | [Redacted] | [Redacted] | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3996.45 | 1 | [Redacted] | $1862.04 | [Redacted] | $155.17 |  |  |  |  |  | 35.607% | 35.607% | 35.607% | 08/25/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4443.13 |  | 6.610% | $0.00 | 2.6 |  |  |  | N/A | No | 6.990% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $445839.12 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 326.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 29461 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12000.00 |  |  | 6.462% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $89020.13 | 1 | [Redacted] | $2838.00 | [Redacted] | $236.50 |  |  |  |  |  | 22.622% | 22.622% | 22.622% | 08/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 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]; 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 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12000.00 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $240098.32 |  | 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 | 16.38 |  | No | No |  | $0.00 | $27500.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 41064 |  |  |  | Non QM |  |  |  | Yes | No | $14037.84 | $15386.64 |  | 7.043% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9523.51 | 1 | [Redacted] | $2783.04 | [Redacted] | $231.92 |  |  |  |  |  | 44.464% | 44.464% | 44.464% | 08/06/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14037.84 |  | 6.570% | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $60788.85 | 10.040% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.51 |  | No | No |  | $0.00 | $8063.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 69050 |  |  |  | Non QM |  |  |  | Yes | No | $8362.18 | $7511.79 |  | 6.785% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5842.23 | 1 | [Redacted] | $1298.04 | [Redacted] | $108.17 |  |  |  |  |  | 37.464% | 33.886% | 37.464% | 09/02/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8362.18 |  | 6.570% | $0.00 | 3.1 |  |  |  | N/A | No | 6.625% | 1 | 0 | 1 | 0 | 1 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $25126.59 |  | 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 | 8.93 |  |  | No |  | $2032.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26485 |  |  |  | Non QM |  |  |  | Yes | No | $16105.00 | $20144.77 |  | 7.131% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4414.61 | 1 | [Redacted] | $1722.12 | [Redacted] | $143.51 |  |  |  |  |  | 44.197% | 44.197% | 44.197% | 08/14/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 52.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16105.00 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $18845.72 |  | 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 | 7.08 |  |  | No |  | $0.00 | $3813.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 25793 |  |  |  | Non QM |  |  |  | Yes | No | $11449.52 | $12289.22 |  | 7.594% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9874.60 | 1 | [Redacted] | $2715.96 | [Redacted] | $226.33 |  |  |  |  |  | 40.211% | 40.211% | 40.211% | 06/24/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 71.000% | 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]; 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]; 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 - 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]; W-2 - 2024 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11449.52 |  | 6.630% | $2984.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $367247.09 | 61.110% | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.84 |  |  | No |  | $0.00 | $4756.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91005 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6597.00 | $5596.05 |  | 7.178% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18284.98 | 1 | [Redacted] | $3189.00 | [Redacted] | $265.75 |  |  |  |  |  | 17.650% | 17.650% | 17.650% | 08/18/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6597.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $24245.66 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34784 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4245.00 | $4779.46 |  | 6.709% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8159.10 | 1 | [Redacted] | $2010.00 | [Redacted] | $167.50 |  |  |  |  |  | 38.431% | 38.431% | 38.431% | 08/13/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.11000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2002<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4245.00 |  | 6.220% | $0.00 | 3.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $338105.14 | 42.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.53 |  | No | No |  | $6051.18 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 84142 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2550.00 | $4274.15 |  | 6.735% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20592.67 | 1 | [Redacted] | $8243.04 | [Redacted] | $686.92 |  |  |  |  |  | 18.997% | 18.997% | 18.997% | 08/07/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2550.00 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $20516.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.75 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 12682 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14689.00 | $19140.66 |  | 6.688% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21147.34 | 1 | [Redacted] | $1997.04 | [Redacted] | $166.42 |  |  |  |  |  | 25.184% | 25.184% | 25.184% | 08/07/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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 | [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 |  |  | [Redacted] | $14689.00 |  | 6.540% | $200000.00 | 1.7 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $169808.71 | 21.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 33984 |  |  |  | Non QM |  |  |  | Yes | No | $2818.75 | $2592.82 |  | 7.550% | [Redacted] | [Redacted] | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9183.98 | 1 | [Redacted] | $3812.04 | [Redacted] | $317.67 |  |  |  |  |  | 17.684% | 16.832% | 17.684% | 09/18/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 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 - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2818.75 |  | 6.750% | $0.00 | 3 |  |  |  | N/A | No | 7.375% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 360 | [Redacted] | $93553.12 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 25238 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12767.00 | $14071.91 |  | 6.823% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6604.18 | 1 | [Redacted] | $5190.00 | [Redacted] | $432.50 |  |  |  |  |  | 44.942% | 44.942% | 44.942% | 09/05/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12767.00 |  | 6.320% | $0.00 | 2.7 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $15753.76 |  | 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 | 6.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 13277 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | 7.625% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6307.66 | 1 | [Redacted] | $2562.96 | [Redacted] | $213.58 |  |  |  |  |  | 35.079% | 35.079% | 35.079% | 08/14/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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 |  |  | [Redacted] |  |  | 6.630% | $0.00 | 2.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 43975 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1550.00 | $3447.03 |  | 7.414% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10426.83 | 1 | [Redacted] | $1692.84 | [Redacted] | $141.07 |  |  |  |  |  | 36.424% | 36.424% | 36.424% | 08/11/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $1550.00 |  | 6.630% | $46866.44 | 1.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $74490.00 | 10.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83221 |  |  |  | Non QM |  |  |  | Yes | No | $10945.00 | $1604.25 |  | 6.990% | [Redacted] | [Redacted] | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16247.62 | 1 | [Redacted] | $1532.04 | [Redacted] | $127.67 |  |  |  |  |  | 39.448% | 36.638% | 39.448% | 08/28/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10945.00 |  | 6.630% | $20000.00 | 4.2 |  |  |  | N/A | No | 6.990% | 1 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $208137.66 | 20.400% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.06 |  | No | No |  | $0.00 | $9249.70 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 82912 |  |  |  | Non QM |  |  |  | Yes | No | $27469.96 | $11260.98 |  | 7.344% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $103588.70 | 1 | [Redacted] | $4999.92 | [Redacted] | $416.66 |  |  |  |  |  | 11.063% | 11.063% | 11.063% | 08/11/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $27469.96 |  | 6.220% | $0.00 | 3.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $113736.65 | 11.370% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 11725 |  |  |  | Non QM |  |  |  | Yes | No | $18010.00 | $399.35 |  | 6.759% | [Redacted] | [Redacted] | 6.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16139.36 | 1 | [Redacted] | $10383.96 | [Redacted] | $865.33 |  |  |  |  |  | 44.715% | 41.500% | 44.715% | 08/11/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [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> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18010.00 |  | 6.320% | $0.00 | 1.8 |  |  |  | N/A | No | 6.750% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $640387.56 |  | 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 | 67.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28026 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15420.00 | $7920.00 |  | 7.337% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33841.49 | 1 | [Redacted] | $1983.00 | [Redacted] | $165.25 |  |  |  |  |  | 18.775% | 18.775% | 18.775% | 08/12/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15420.00 |  | 6.630% | $2500.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $1432.75 | 0.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47221 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6280.69 | $7828.17 |  | 7.058% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10353.56 | 1 | [Redacted] | $1349.40 | [Redacted] | $112.45 |  |  |  |  |  | 38.522% | 38.522% | 38.522% | 08/26/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 |  |  | [Redacted] | $6280.69 |  | 6.570% | $0.00 | 1.8 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $50862.06 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 75150 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1470.00 | $1613.27 |  | 7.328% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9591.52 | 1 | [Redacted] | $2459.04 | [Redacted] | $204.92 |  |  |  |  |  | 13.102% | 13.102% | 13.102% | 09/09/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | [Redacted] | $1470.00 |  | 6.540% | $1200.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $133297.56 | 61.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 50651 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1840.68 |  | 6.990% | [Redacted] | [Redacted] | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15845.64 | 1 | [Redacted] | $655.08 | [Redacted] | $54.59 |  |  |  |  |  | 37.039% | 37.039% | 37.039% | 09/12/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.630% | $0.00 | 1.7 |  |  |  | N/A | No | 6.990% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $467509.86 | 39.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 88575 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11845.00 | $5293.01 |  | 7.094% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5866.08 | 1 | [Redacted] | $1563.48 | [Redacted] | $130.29 |  |  |  |  |  | 44.718% | 44.718% | 44.718% | 08/26/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 74.000% | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<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 - 2012<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - 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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11845.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $74960.05 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 97592 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6250.00 | $3307.57 |  | 6.863% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25356.67 | 1 | [Redacted] | $1626.00 | [Redacted] | $135.50 |  |  |  |  |  | 44.913% | 44.913% | 44.913% | 08/18/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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]; 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 |  |  | [Redacted] | $6250.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $848282.15 | 37.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.59 |  | No | No |  | $17473.01 | $11083.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 23288 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14000.00 | $15075.25 |  | 7.137% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34298.40 | 1 | [Redacted] | $1842.96 | [Redacted] | $153.58 |  |  |  |  |  | 36.764% | 36.764% | 36.764% | 09/04/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14000.00 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 80501 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2915.00 | $2604.39 |  | 7.313% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13385.42 | 1 | [Redacted] | $1641.96 | [Redacted] | $136.83 |  |  |  |  |  | 18.567% | 18.567% | 18.567% | 08/20/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2915.00 |  | 6.610% | $0.00 | 4.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $390120.06 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 152.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76343 |  |  |  | Non QM |  |  |  | Yes | No | $1933.95 | $233.11 |  | 6.626% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7588.74 | 1 | [Redacted] | $9428.04 | [Redacted] | $785.67 |  |  |  |  |  | 44.542% | 40.206% | 44.542% | 09/11/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1933.95 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $772342.21 |  | No | 31 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 45790 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4429.10 | $838.14 |  | 6.775% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $9911.82 | 1 | [Redacted] | $1818.00 | [Redacted] | $151.50 |  |  |  |  |  | 20.965% | 20.965% | 20.965% | 08/20/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $4429.10 |  | 6.540% | $178982.17 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $10612.96 | 2.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 92331 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12710.00 | $7780.00 |  | 7.088% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35744.84 | 1 | [Redacted] | $3521.04 | [Redacted] | $293.42 |  |  |  |  |  | 12.641% | 12.641% | 12.641% | 08/21/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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 | [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 |  |  | [Redacted] | $12710.00 |  | 6.310% | $3500.00 | 2 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 59112 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17640.00 | $230.00 |  | 6.963% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14693.17 | 1 | [Redacted] | $6532.20 | [Redacted] | $544.35 |  |  |  |  |  | 44.450% | 44.450% | 44.450% | 08/21/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 31.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17640.00 |  | 6.310% | $0.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $143431.62 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91932 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4823.80 | $7805.82 |  | 7.218% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8407.33 | 1 | [Redacted] | $1922.04 | [Redacted] | $160.17 |  |  |  |  |  | 40.141% | 40.141% | 40.141% | 08/14/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | [Redacted] | $4823.80 |  | 6.630% | $35000.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $71178.20 | 17.790% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 72303 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5689.39 | $7009.58 |  | 7.107% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8464.35 | 1 | [Redacted] | $1830.96 | [Redacted] | $152.58 |  |  |  |  |  | 42.272% | 42.272% | 42.272% | 08/25/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $5689.39 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 14193 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3150.00 | $4026.73 |  | 7.345% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8765.30 | 1 | [Redacted] | $1883.04 | [Redacted] | $156.92 |  |  |  |  |  | 28.265% | 28.265% | 28.265% | 09/02/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| 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: 51.00% \| 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: 51.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3150.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $292917.14 | 51.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 86931 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $38739.44 | $8396.15 |  | 7.135% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $335686.26 | 1 | [Redacted] | $3219.00 | [Redacted] | $268.25 |  |  |  |  |  | 8.267% | 8.267% | 8.267% | 08/25/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $38739.44 |  | 6.630% | $0.00 | 3.9 |  |  |  | N/A | No | 7.125% | 0 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $955430.61 | 46.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 55691 |  |  |  | Non QM |  |  |  | Yes | No | $4503.00 | $4965.30 |  | 6.785% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21559.62 | 1 | [Redacted] | $3521.04 | [Redacted] | $293.42 |  |  |  |  |  | 13.854% | 12.940% | 13.854% | 09/01/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4503.00 |  | 6.630% | $0.00 | 2.6 |  |  |  | N/A | No | 6.625% | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  | 360 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 96118 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9440.00 | $9227.10 |  | 7.399% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14158.83 | 1 | [Redacted] | $1265.04 | [Redacted] | $105.42 |  |  |  |  |  | 29.584% | 29.584% | 29.584% | 09/02/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: 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: 20.00000% \| Expense Ratio Source: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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 |  |  | [Redacted] | $9440.00 |  | 6.320% | $3000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $322671.19 | 53.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 30.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10471 |  |  |  | Non QM |  |  |  | Yes | No | $13284.56 | $6692.81 |  | 7.446% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5975.35 | 1 | [Redacted] | $1860.12 | [Redacted] | $155.01 |  |  |  |  |  | 38.739% | 38.739% | 38.739% | 08/21/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: 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: 25.00000% \| Expense Ratio Source: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2012 | [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 |  |  | [Redacted] | $13284.56 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $631553.66 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 165.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 38924 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10141.25 | $4590.08 |  | 7.128% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32765.43 | 1 | [Redacted] | $5578.68 | [Redacted] | $464.89 |  |  |  |  |  | 42.263% | 42.263% | 42.263% | 08/06/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 83.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [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) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Non-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> [Coborrower(s) - \| Non-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> [Coborrower(s) - \| Non-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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10141.25 |  | 6.540% | $60000.00 | 4.5 |  |  |  | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $305027.46 | 32.080% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 28.01 |  | Yes | No |  | $27478.24 | $9488.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
|  | 31889 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4645.00 | $2838.26 |  | 7.177% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26555.88 | 1 | [Redacted] | $1665.00 | [Redacted] | $138.75 |  |  |  |  |  | 25.975% | 25.975% | 25.975% | 09/03/2025 | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4645.00 |  | 6.320% | $4500.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $62758.71 | 8.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 59551 |  |  |  | Non QM |  |  |  | Yes | No | $9465.00 | $8506.45 |  | 6.921% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11991.06 | 1 | [Redacted] | $2649.00 | [Redacted] | $220.75 |  |  |  |  |  | 44.486% | 39.990% | 44.486% | 08/26/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9465.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $486259.35 | 33.650% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 10759 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $420.00 | $0.00 |  | 7.623% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9720.82 | 1 | [Redacted] | $3621.96 | [Redacted] | $301.83 |  |  |  |  |  | 37.399% | 37.399% | 37.399% | 08/28/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $420.00 |  | 6.320% | $10000.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $7000.00 | 0.930% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91383 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4240.00 | $4684.74 |  | 7.360% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7533.56 | 1 | [Redacted] | $6696.96 | [Redacted] | $558.08 |  |  |  |  |  | 36.597% | 36.597% | 36.597% | 08/27/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $4240.00 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 49385 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17878.77 | $3854.78 |  | 7.294% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $52377.07 | 1 | [Redacted] | $2193.96 | [Redacted] | $182.83 |  |  |  |  |  | 27.293% | 27.293% | 27.293% | 08/28/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 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]; 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 - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $17878.77 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $78941.19 |  | 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 | 15.02 |  | No | No |  | $36019.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 55143 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3145.56 | $5121.56 |  | 7.330% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2412.85 | 1 | [Redacted] | $1536.84 | [Redacted] | $128.07 |  |  |  |  |  | 42.223% | 42.223% | 42.223% | 08/28/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $3145.56 |  | 6.320% | $0.00 | 1.3 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $9336.77 | 4.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 14624 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5700.00 | $75.00 |  | 6.853% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31517.07 | 1 | [Redacted] | $4374.00 | [Redacted] | $364.50 |  |  |  |  |  | 35.255% | 35.255% | 35.255% | 09/04/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.000% | 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 - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 |  |  | [Redacted] | $5700.00 |  | 6.540% | $20000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $431330.24 | 38.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 78817 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9799.42 | $0.00 |  | 7.125% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  | $9819.64 | 1 | [Redacted] | $1739.04 | [Redacted] | $144.92 |  |  |  |  |  | 44.578% | 44.578% | 44.578% | 08/29/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 42.00000% \| Expense Ratio Source: Third Party Verification \| # 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 - 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 |  |  | [Redacted] | $9799.42 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $248162.54 | 23.190% | 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 |  |  |  | 13.28 |  |  | No |  | $8858.95 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66776 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8677.78 | $8713.73 |  | 7.410% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15975.85 | 1 | [Redacted] | $3264.96 | [Redacted] | $272.08 |  |  |  |  |  | 34.464% | 34.464% | 34.464% | 08/29/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8677.78 |  | 6.320% | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $13516.57 |  | 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 | 7.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 96393 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12107.76 | $1416.97 |  | 7.280% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21975.20 | 1 | [Redacted] | $1998.00 | [Redacted] | $166.50 |  |  |  |  |  | 23.883% | 23.883% | 23.883% | 08/26/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 46.00000% \| 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: 46.00000% \| 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: 46.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 46.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 46.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12107.76 |  | 6.570% | $14840.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $4990.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 167.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 94953 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16683.04 | $1090.67 |  | 7.121% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $51413.46 | 1 | [Redacted] | $1071.96 | [Redacted] | $89.33 |  |  |  |  |  | 26.765% | 26.765% | 26.765% | 09/02/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16683.04 |  | 6.540% | $8940.00 | 3.7 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $260795.06 | 24.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 50816 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11303.16 | $2978.03 |  | 7.289% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7512.75 | 1 | [Redacted] | $705.96 | [Redacted] | $58.83 |  |  |  |  |  | 38.604% | 38.604% | 38.604% | 09/02/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11303.16 |  | 6.540% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $74919.93 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 22040 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11869.15 | $12144.90 |  | 7.407% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $288462.51 | 1 | [Redacted] | $1767.96 | [Redacted] | $147.33 |  |  |  |  |  | 5.354% | 5.354% | 5.354% | 09/03/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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 |  |  | [Redacted] | $11869.15 |  | 6.540% | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $112195.67 | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.44 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 81277 |  |  |  | Non QM |  |  |  | Yes | No | $7015.00 | $6586.74 |  | 7.589% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7729.98 | 1 | [Redacted] | $7794.24 | [Redacted] | $649.52 |  |  |  |  |  | 42.168% | 39.525% | 42.168% | 09/07/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7015.00 |  | 6.570% | $0.00 | 2.5 |  |  |  | N/A | No | 7.500% | 0 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  | 360 | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44276 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16472.80 | $15274.67 |  | 6.835% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39366.32 | 1 | [Redacted] | $4575.96 | [Redacted] | $381.33 |  |  |  |  |  | 28.483% | 28.483% | 28.483% | 08/30/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16472.80 |  | 6.320% | $0.00 | 3.8 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $710987.65 | 33.690% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.28 |  |  | No |  | $0.00 | $17880.51 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 52702 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22127.00 | $9305.61 |  | 7.221% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18140.59 | 1 | [Redacted] | $3023.04 | [Redacted] | $251.92 |  |  |  |  |  | 41.170% | 41.170% | 41.170% | 09/03/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22127.00 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $38538.60 |  | 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 | 9.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 83161 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10503.20 | $8398.13 |  | 7.469% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7789.63 | 1 | [Redacted] | $1295.16 | [Redacted] | $107.93 |  |  |  |  |  | 39.371% | 39.371% | 39.371% | 09/03/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10503.20 |  | 6.320% | $61128.88 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $5000.00 | 1.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 37284 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16230.00 | $1152.90 |  | 7.129% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10648.30 | 1 | [Redacted] | $1592.76 | [Redacted] | $132.73 |  |  |  |  |  | 41.658% | 41.658% | 41.658% | 07/03/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $16230.00 |  | 6.540% | $100000.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $253889.05 | 25.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.77 |  | No | No |  | $6666.06 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 28545 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $42750.00 | $42750.00 |  | 7.317% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $123486.75 | 1 | [Redacted] | $5690.40 | [Redacted] | $474.20 |  |  |  |  |  | 17.656% | 17.656% | 17.656% | 09/04/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  | [Redacted] | $42750.00 |  | 6.570% | $0.00 | 3.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.34 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 18898 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6454.42 | $8915.07 |  | 7.198% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11447.86 | 1 | [Redacted] | $2913.96 | [Redacted] | $242.83 |  |  |  |  |  | 34.757% | 34.757% | 34.757% | 09/04/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6454.42 |  | 6.310% | $0.00 | 4.1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $102238.53 | 24.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 16460 |  |  |  | Non QM |  |  |  | Yes | No | $13698.96 | $6241.31 |  | 7.405% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17142.81 | 1 | [Redacted] | $2196.00 | [Redacted] | $183.00 |  |  |  |  |  | 32.383% | 32.383% | 32.383% | 09/04/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 |  |  | [Redacted] | $13698.96 |  | 6.220% | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $245953.64 | 46.840% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 20449 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7206.59 | $10229.47 |  | 7.402% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12552.93 | 1 | [Redacted] | $3514.56 | [Redacted] | $292.88 |  |  |  |  |  | 21.392% | 21.392% | 21.392% | 09/11/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7206.59 |  | 6.570% | $0.00 | 2.8 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $16141.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 89667 |  |  |  | Non QM |  |  |  | Yes | No | $19524.80 | $250.00 |  | 7.344% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9096.49 | 1 | [Redacted] | $767.88 | [Redacted] | $63.99 |  |  |  |  |  | 40.949% | 40.949% | 40.949% | 09/04/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $19524.80 |  | 6.310% | $145340.79 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $26036.39 | 3.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 14774 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14259.60 | $2904.30 |  | 7.280% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35014.86 | 1 | [Redacted] | $2481.96 | [Redacted] | $206.83 |  |  |  |  |  | 20.183% | 20.183% | 20.183% | 09/04/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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 |  |  | [Redacted] | $14259.60 |  | 6.570% | $15000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $182112.66 | 24.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.43 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 32091 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4305.00 | $1320.35 |  | 7.049% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11419.42 | 1 | [Redacted] | $1875.00 | [Redacted] | $156.25 |  |  |  |  |  | 25.282% | 25.282% | 25.282% | 09/17/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4305.00 |  | 6.540% | $4500.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 97274 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7537.50 | $0.00 |  | 6.593% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8488.85 | 1 | [Redacted] | $3786.00 | [Redacted] | $315.50 |  |  |  |  |  | 39.718% | 39.718% | 39.718% | 09/26/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 |  |  | [Redacted] | $7537.50 |  | 6.220% | $15000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $309932.58 | 47.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 31046 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14086.45 | $7249.60 |  | 6.590% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16030.90 | 1 | [Redacted] | $1038.96 | [Redacted] | $86.58 |  |  |  |  |  | 36.010% | 36.010% | 36.010% | 10/03/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | [Redacted] | $14086.45 |  | 6.540% | $10000.00 | 1.4 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $298160.86 | 37.500% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 42351 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15220.58 | $8801.05 |  | 7.294% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36413.55 | 1 | [Redacted] | $1951.08 | [Redacted] | $162.59 |  |  |  |  |  | 38.231% | 38.231% | 38.231% | 09/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 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 |  |  | [Redacted] | $15220.58 |  | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $852354.57 | 49.040% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
|  | 12858 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5765.00 | $1995.30 |  | 6.721% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10425.11 | 1 | [Redacted] | $4365.00 | [Redacted] | $363.75 |  |  |  |  |  | 35.337% | 35.337% | 35.337% | 09/03/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5722.64 |  | 6.540% | $8500.00 | 1.3 |  |  |  | N/A | No | 6.625% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | [Redacted] | $1536457.73 | 100.000% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 368.8 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 94187 |  |  |  | Non QM |  |  |  | Yes | No | $8462.15 | $4043.44 |  | 7.374% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7842.31 | 1 | [Redacted] | $1286.04 | [Redacted] | $107.17 |  |  |  |  |  | 23.806% | 23.806% | 23.806% | 09/08/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8462.15 |  | 6.540% | $8000.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $50591.19 | 19.460% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 64863 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $43247.05 | ($468.96) |  | 7.249% | [Redacted] | [Redacted] | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24197.91 | 1 | [Redacted] | $3534.96 | [Redacted] | $294.58 |  |  |  |  |  | 44.595% | 44.595% | 44.595% | 06/18/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $43247.05 |  | 6.540% | $16000.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.250% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $1029778.70 | 49.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 65881 |  |  |  | Non QM |  |  |  | Yes | No | $28011.00 | $10086.63 |  | 7.317% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55682.45 | 1 | [Redacted] | $14460.00 | [Redacted] | $1205.00 |  |  |  |  |  | 33.954% | 33.954% | 33.954% | 09/10/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; 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 |  |  | [Redacted] | $28011.00 |  | 6.220% | $0.00 | 3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $100000.00 | 9.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.08 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 30755 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10356.00 | $27799.96 |  | 6.589% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26998.09 | 1 | [Redacted] | $3953.04 | [Redacted] | $329.42 |  |  |  |  |  | 41.948% | 41.948% | 41.948% | 09/04/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 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]; 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 |  |  | [Redacted] | $10356.00 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $1047097.94 | 40.350% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.11 |  | Yes | No |  | $18495.69 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 15781 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8227.17 | $1521.68 |  | 7.250% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4087.58 | 1 | [Redacted] | $1692.00 | [Redacted] | $141.00 |  |  |  |  |  | 40.373% | 40.373% | 40.373% | 07/02/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8227.17 |  | 6.310% | $15000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $55562.81 | 15.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 63438 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5265.76 | $6199.15 |  | 7.536% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7156.16 | 1 | [Redacted] | $1460.04 | [Redacted] | $121.67 |  |  |  |  |  | 32.193% | 32.193% | 32.193% | 09/08/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $5265.76 |  | 6.540% | $0.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $96699.18 | 37.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.44 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10827 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7785.40 | $8779.83 |  | 6.766% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11235.42 | 1 | [Redacted] | $4859.40 | [Redacted] | $404.95 |  |  |  |  |  | 35.943% | 35.943% | 35.943% | 09/19/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 80.00000% \| 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7785.40 |  | 6.320% | $0.00 | 2.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $24526.87 |  | 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 | 7.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 77645 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8500.00 | $8689.04 |  | 6.951% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $239478.15 | 1 | [Redacted] | $3473.04 | [Redacted] | $289.42 |  |  |  |  |  | 1.550% | 1.550% | 1.550% | 07/10/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| Expense Ratio: 80.00000% \| 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8500.00 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $803655.96 | 71.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.09 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76026 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12650.00 | $12848.67 |  | 7.271% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | [Redacted] |  |  |  | $20859.40 | 1 | [Redacted] | $2628.00 | [Redacted] | $219.00 |  |  |  |  |  | 18.984% | 18.984% | 18.984% | 09/12/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.38000% \| 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: 16.38000% \| 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: 16.38000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.38000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.38000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12650.00 |  | 6.320% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $6000.00 | 1.040% | 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 |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 23.46 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 30226 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $825.00 | $2503.51 |  | 7.028% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6064.63 | 1 | [Redacted] | $2580.60 | [Redacted] | $215.05 |  |  |  |  |  | 35.603% | 35.603% | 35.603% | 07/19/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $825.00 |  | 6.220% | $0.00 | 2.4 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 44655 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5288.60 | $4299.22 |  | 7.101% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11365.66 | 1 | [Redacted] | $1901.04 | [Redacted] | $158.42 |  |  |  |  |  | 23.295% | 23.295% | 23.295% | 09/16/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5288.60 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14350 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5442.21 | $7535.23 |  | 7.055% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $66344.96 | 1 | [Redacted] | $4041.00 | [Redacted] | $336.75 |  |  |  |  |  | 4.223% | 4.223% | 4.223% | 09/29/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5442.21 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | 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 | 21.03 |  |  | No |  | $69269.99 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90721 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5401.20 | $8828.95 |  | 6.828% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $123065.42 | 1 | [Redacted] | $9977.16 | [Redacted] | $831.43 |  |  |  |  |  | 7.127% | 7.127% | 7.127% | 09/25/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5401.20 |  | 6.220% | $0.00 | 3.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 67871 |  |  |  | Non QM |  |  |  | Yes | No | $12002.00 | $11187.00 |  | 6.834% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18502.35 | 1 | [Redacted] | $1914.96 | [Redacted] | $159.58 |  |  |  |  |  | 27.442% | 27.442% | 30.189% | 09/25/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12002.00 |  | 6.310% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 6.750% | 0 | 2 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redacted] | $314936.39 | 30.960% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  | No |  | $0.00 | $7166.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 42727 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21498.00 | $6228.74 |  | 6.996% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17565.09 | 1 | [Redacted] | $7945.08 | [Redacted] | $662.09 |  |  |  |  |  | 43.935% | 43.935% | 43.935% | 09/24/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21498.00 |  | 6.220% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | $772569.83 | 38.620% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.49 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 68579 |  |  |  | N/A |  |  |  | No | No | $5625.00 |  |  | 6.216% | [Redacted] | [Redacted] | 6.250% | No | No | Not Employed | Self-Employed | Employed |  | 19.33 |  |  | US Citizen | US Citizen |  |  |  |  |  | $18418.85 | 1 | [Redacted] | $987.00 | [Redacted] | $82.25 |  |  |  |  |  | 24.629% | 24.629% | 24.629% | 10/10/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Other - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 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]; 1120 - 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<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2022 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5625.00 |  | 6.290% | $0.00 | 2.2 |  |  |  | N/A | No | 6.250% | 0 | 2 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $426467.87 | 85.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 45.14 |  | No | No |  | $17437.42 | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 77970 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $8604.36 | [Redacted] | $717.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redacted] | $327587.97 | 65.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.72 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
|  | 51079 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $770.04 | [Redacted] | $64.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redacted] | $435758.72 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 190.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 60325 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2630.04 | [Redacted] | $219.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redacted] | $157165.20 | 56.730% | 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 |  |  |  |  |  |  |  |  |  |  |  | 51.38 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 79843 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1857.84 | [Redacted] | $154.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 123.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 25420 |  |  |  | Non QM |  |  |  | Yes | No | $6521.50 | $5758.85 |  | 7.097% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4061.31 | 1 | [Redacted] | $6540.00 | [Redacted] | $545.00 |  |  |  |  |  | 38.253% | 38.253% | 38.253% | 11/13/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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]; 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]; 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]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6521.50 |  | 6.260% | $0.00 | 1.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 68968 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7515.00 | $2994.88 |  | 6.394% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $10599.04 | 1 | [Redacted] | $2438.16 | [Redacted] | $203.18 |  |  |  |  |  | 35.815% | 35.815% | 35.815% | 10/23/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7515.00 |  | 6.220% | $11278.20 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $267782.62 | 31.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  |  | No |  | $16513.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 72432 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $4244.10 |  | 6.955% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7669.23 | 1 | [Redacted] | $2056.32 | [Redacted] | $171.36 |  |  |  |  |  | 32.756% | 32.756% | 32.756% | 11/24/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 89.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1590.00 |  | 6.260% | $1000.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $137231.15 | 30.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.15 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 33434 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $366.96 | [Redacted] | $30.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $426571.50 | 72.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
|  | 47524 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $5916.96 | [Redacted] | $493.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  | 240 | [Redacted] | $154941.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 50258 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.350% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44087.13 | 1 | [Redacted] | $2774.52 | [Redacted] | $231.21 |  |  |  |  |  | 21.389% | 21.389% | 21.389% | 11/05/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.170% | $12000.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.375% | 2 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $816311.42 | 57.280% | 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 |  |  |  |  |  |  |  |  |  |  |  | 37.07 |  | No | No |  | $36566.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 50712 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1428.96 | [Redacted] | $119.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] | $852716.67 |  | 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 | 400.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 30 |
|  | 86792 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3095.04 | [Redacted] | $257.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $189556.78 | 43.170% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 52229 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1698.36 | [Redacted] | $141.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redacted] | $212091.59 | 20.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 50795 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $275.04 | [Redacted] | $22.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redacted] | $321599.35 | 85.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.9 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 18792 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2166.96 | [Redacted] | $180.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.55 | 0.39 |  |  |  |  |  |  |  | [Redacted] | $1225370.11 | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 177.65 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 41916 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $933.00 | [Redacted] | $77.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | [Redacted] | $479108.38 | 56.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.74 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 36600 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2311.32 | [Redacted] | $192.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $94141.55 | 17.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.43 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 98840 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1037.04 | [Redacted] | $86.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.72 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 95215 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redacted] | $3544.68 | [Redacted] | $295.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redacted] | $112272.23 |  | 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 | 23.76 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 48622 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3373.92 | [Redacted] | $281.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $118183.77 | 31.510% | 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 |  |  |  |  |  |  |  |  |  |  |  | 58.14 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 55095 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $892.80 | [Redacted] | $74.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | [Redacted] | $225590.49 | 62.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.29 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47155 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1223.64 | [Redacted] | $101.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 17.34 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 61124 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1530.00 | [Redacted] | $127.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  |  |  |  |  |  | [Redacted] | $207588.21 | 34.190% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.08 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 40343 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $2201.04 | [Redacted] | $183.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redacted] | $190625.41 | 40.550% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 50797 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $623.04 | [Redacted] | $51.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redacted] | $79565.54 |  | 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 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 31.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 53009 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redacted] | $5730.00 | [Redacted] | $477.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 21.28 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 88261 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | [Redacted] | $3281241.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 438.69 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 39623 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1875.96 | [Redacted] | $156.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redacted] | $269907.37 | 33.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.53 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 68898 |  |  |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 8.115% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23264.84 | 1 | [Redacted] | $2018.04 | [Redacted] | $168.17 |  |  |  |  |  | 41.838% | 41.838% | 41.838% | 09/10/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.160% | $11625.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $73636.30 | 9.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.03 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 65685 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1390.00 | $1190.60 |  | 7.656% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14484.10 | 1 | [Redacted] | $1215.00 | [Redacted] | $101.25 |  |  |  |  |  | 36.265% | 36.265% | 36.265% | 09/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 34.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| 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: 34.00% \| 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: 34.00% \| 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: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| 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 |  |  | [Redacted] | $1390.00 |  | 6.540% | $7400.00 | 2.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $78118.37 | 28.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.71 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 77482 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $3574.44 |  | 6.391% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $34772.13 | 1 | [Redacted] | $3564.00 | [Redacted] | $297.00 |  |  |  |  |  | 43.591% | 43.591% | 43.591% | 10/07/2025 | 760 | 778 | 770 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $1890.00 |  | 6.290% | $0.00 | 1.3 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $253287.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 20.03 | Retail | No | No |  | $61642.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 28839 |  |  |  | Non QM |  |  |  | Yes | No | $1690.00 | $6537.99 |  | 7.066% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21972.48 | 1 | [Redacted] | $2326.56 | [Redacted] | $193.88 |  |  |  |  |  | 47.707% | 47.707% | 47.707% | 09/03/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 54.000% |  | 99.000% |  | [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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1690.00 |  | 6.310% | $0.00 | 3.3 |  |  |  | N/A | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $25036.10 |  | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 97.65 | Retail | No | No |  | $22724.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
|  | 97567 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2421.37 | $3019.75 |  | 7.246% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10504.48 | 1 | [Redacted] | $1718.04 | [Redacted] | $143.17 |  |  |  |  |  | 26.917% | 26.917% | 26.917% | 09/26/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2421.37 |  | 6.220% | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 |  | 1 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $208952.48 | 72.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.43 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 47428 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1640.00 | $4084.92 |  | 8.155% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49044.05 | 1 | [Redacted] | $1749.00 | [Redacted] | $145.75 |  |  |  |  |  | 7.215% | 7.215% | 7.215% | 10/21/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.240% | $750.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $3931.70 | 1.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 55988 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2043.20 | $3962.18 |  | 6.922% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55050.92 | 1 | [Redacted] | $7125.00 | [Redacted] | $593.75 |  |  |  |  |  | 20.615% | 20.615% | 20.615% | 09/15/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2043.20 |  | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $549892.03 |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.27 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 68094 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2812.50 | $5741.33 |  | 6.941% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6846.62 | 1 | [Redacted] | $1344.00 | [Redacted] | $112.00 |  |  |  |  |  | 37.367% | 37.367% | 37.367% | 08/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2812.50 |  | 6.240% | $5000.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $526519.05 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 95.51 | Retail | Yes | No |  | $10931.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 95067 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5761.12 |  | 6.525% | [Redacted] | [Redacted] | 6.500% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58344.08 | 1 | [Redacted] | $789.72 | [Redacted] | $65.81 |  |  |  |  |  | 30.870% | 30.870% | 30.870% |  | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 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<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.160% | $0.00 | 2.2 |  |  |  | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redacted] | $5462829.98 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 318.64 | Retail | No | No |  | $0.00 | $19408.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 43971 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24970.00 | $26732.92 |  | 6.806% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16489.04 | 1 | [Redacted] | $4400.04 | [Redacted] | $366.67 |  |  |  |  |  | 49.427% | 49.427% | 49.427% | 09/15/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $24970.00 |  | 6.310% | $0.00 | 1.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $56245.07 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 39337 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $2344.00 | $4135.90 |  | 8.479% | [Redacted] | [Redacted] | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $6005.63 | 1 | [Redacted] | $3108.96 | [Redacted] | $259.08 |  |  |  |  |  | 41.928% | 41.928% | 41.928% | 07/07/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2344.00 |  | 6.240% | $15000.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $79857.25 | 16.530% | 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 |  |  |  |  |  |  | VISA | VISA |  |  |  | 7.4 | Retail |  | No |  | $5067.47 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 67293 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2077.46 | $2877.23 |  | 7.031% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $99855.55 | 1 | [Redacted] | $1848.96 | [Redacted] | $154.08 |  |  |  |  |  | 9.554% | 9.554% | 9.554% | 10/14/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2077.46 |  | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $514361.65 | 47.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.35 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34604 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2027.78 | $0.00 |  | 6.754% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9162.33 | 1 | [Redacted] | $3557.04 | [Redacted] | $296.42 |  |  |  |  |  | 40.873% | 40.873% | 40.873% | 09/09/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2027.78 |  | 6.540% | $16800.00 | 1.2 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $191767.00 | 24.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 69638 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1380.00 | $2834.46 |  | 6.824% | [Redacted] | [Redacted] | 6.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9581.70 | 1 | [Redacted] | $255.96 | [Redacted] | $21.33 |  |  |  |  |  | 39.114% | 39.114% | 39.114% | 08/16/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1380.00 |  | 6.160% | $8400.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | [Redacted] | $714648.26 | 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 |  |  |  |  |  |  |  |  |  |  |  | 231.51 | Retail | Yes | No |  | $10973.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 22129 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5080.00 | $5649.68 |  | 7.548% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $78951.00 | 1 | [Redacted] | $2915.52 | [Redacted] | $242.96 |  |  |  |  |  | 9.749% | 9.749% | 9.749% | 10/15/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5080.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $162530.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.48 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 93836 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2201.88 | $4230.42 |  | 7.216% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6876.72 | 1 | [Redacted] | $1878.96 | [Redacted] | $156.58 |  |  |  |  |  | 24.981% | 24.981% | 24.981% | 10/09/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2201.88 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58768 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8595.93 | $9338.18 |  | 6.895% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $75718.63 | 1 | [Redacted] | $2516.04 | [Redacted] | $209.67 |  |  |  |  |  | 18.943% | 18.943% | 18.943% | 09/20/2025 | 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8595.93 |  | 6.160% | $0.00 | 1.2 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $11608.41 | 1.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.65 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 32750 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4200.00 | $7603.64 |  | 6.916% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34146.26 | 1 | [Redacted] | $5957.16 | [Redacted] | $496.43 |  |  |  |  |  | 18.641% | 18.641% | 18.641% | 09/15/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4200.00 |  | 6.310% | $0.00 | 3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $19464.16 |  | 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 | 20.74 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 86352 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1252.56 | [Redacted] | $104.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 104.33 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 19091 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2423.04 | [Redacted] | $201.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redacted] | $505366.65 | 57.420% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48951 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.607% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5184.05 | 1 | [Redacted] | $2439.60 | [Redacted] | $203.30 |  |  |  |  |  | 35.650% | 35.650% | 35.650% | 11/06/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.270% | $0.00 | 3.6 | DU |  | ApproveEligible | N/A | No | 6.625% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $138772.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.09 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 93634 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1405.92 | [Redacted] | $117.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 78.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 92448 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $6632.57 |  | 6.743% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10462.02 | 1 | [Redacted] | $1029.96 | [Redacted] | $85.83 |  |  |  |  |  | 31.020% | 29.115% | 31.020% | 06/09/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.590% | $0.00 | 2.4 |  |  |  | N/A | No | 7.105% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $157281.67 | 20.690% | No | 12 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 36878 |  |  |  | Non QM |  |  |  | Yes | No | $3135.84 | $3617.91 |  | 8.158% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5734.38 | 1 | [Redacted] | $2006.04 | [Redacted] | $167.17 |  |  |  |  |  | 42.042% | 42.042% | 42.042% | 07/23/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 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 - Personal - 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 - 2020<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 - 2020<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 - 2020<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 - 2020<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 - 2020 | [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 |  |  | [Redacted] | $3135.84 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $3925.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.43 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 86696 |  |  |  | Non QM |  |  |  | Yes | No | $3090.00 | $14067.63 |  | 6.911% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $225824.44 | 1 | [Redacted] | $1997.04 | [Redacted] | $166.42 |  |  |  |  |  | 11.667% | 11.667% | 11.667% | 09/29/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 25 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3090.00 |  | 6.240% | $1000.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redacted] | $590844.03 | 21.290% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.62 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 49322 |  |  |  | Non QM |  |  |  | Yes | No | $6278.69 | $9263.89 |  | 9.375% | [Redacted] | [Redacted] | 9.125% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $66236.53 | 1 | [Redacted] | $1140.96 | [Redacted] | $95.08 |  |  |  |  |  | 6.475% | 6.475% | 6.475% | 10/03/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6278.69 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $2144.40 | 0.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 38.64 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 12517 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $3511.82 |  | 7.010% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2205.37 | 1 | [Redacted] | $1645.80 | [Redacted] | $137.15 |  |  |  |  |  | 49.395% | 49.395% | 49.395% | 10/13/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | [Redacted] | $1495.00 |  | 6.160% | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | 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 | 117.65 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 43347 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1640.00 | $4921.40 |  | 7.782% | [Redacted] | [Redacted] | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15808.70 | 1 | [Redacted] | $4572.00 | [Redacted] | $381.00 |  |  |  |  |  | 36.338% | 36.338% | 36.338% | 10/30/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.240% | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | [Redacted] | $421543.07 |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.05 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 40185 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $5267.32 | $5170.40 |  | 8.018% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33019.63 | 1 | [Redacted] | $4165.08 | [Redacted] | $347.09 |  |  |  |  |  | 12.659% | 12.659% | 12.659% | 10/06/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $5267.32 |  | 6.240% | $15000.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $78538.56 | 21.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.89 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 62103 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1845.00 | $4635.42 |  | 7.526% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5919.53 | 1 | [Redacted] | $1163.04 | [Redacted] | $96.92 |  |  |  |  |  | 30.959% | 30.959% | 30.959% | 10/22/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1845.00 |  | 6.260% | $3000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $12070.86 | 3.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 20.22 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 30242 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1909.00 | $4414.18 |  | 7.523% | [Redacted] | [Redacted] | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25878.31 | 1 | [Redacted] | $3795.60 | [Redacted] | $316.30 |  |  |  |  |  | 48.257% | 48.257% | 48.257% | 11/10/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1909.00 |  | 6.160% | $0.00 | 2.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | 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 | 104.07 | Retail | No | No |  | $50013.45 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 64573 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1850.00 | $19144.15 |  | 6.566% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $12984.57 | 1 | [Redacted] | $3349.92 | [Redacted] | $279.16 |  |  |  |  |  | 52.843% | 52.843% | 52.843% | 10/28/2025 | 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]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1850.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1153218.68 | 53.630% | No | 34 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 69.31 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 73516 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2641.82 | $4020.19 |  | 7.404% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3764.50 | 1 | [Redacted] | $350.04 | [Redacted] | $29.17 |  |  |  |  |  | 49.753% | 49.753% | 49.753% | 10/20/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2641.82 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $96512.55 | 50.260% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.46 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 41264 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6925.00 | $9311.54 |  | 6.909% | [Redacted] | [Redacted] | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37016.21 | 1 | [Redacted] | $1659.00 | [Redacted] | $138.25 |  |  |  |  |  | 10.199% | 10.199% | 10.199% | 10/15/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6925.00 |  | 6.170% | $1750.00 | 1.8 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | [Redacted] | $2447659.33 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 599.52 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 95788 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13715.00 | $21291.27 |  | 6.491% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $80130.09 | 1 | [Redacted] | $4574.28 | [Redacted] | $381.19 |  |  |  |  |  | 13.876% | 13.876% | 13.876% | 10/28/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13715.00 |  | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $100948.33 | 9.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 201.27 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 42450 |  |  |  | Non QM |  |  |  | Yes | No | $1490.00 | $2982.74 |  | 7.676% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7303.67 | 1 | [Redacted] | $2829.24 | [Redacted] | $235.77 |  |  |  |  |  | 39.504% | 39.504% | 39.504% | 09/05/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 58.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<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 |  |  | [Redacted] | $1490.00 |  | 6.170% | $0.00 | 3.2 |  |  |  | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 5 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $181833.97 | 36.360% | No |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.01 | Retail |  | No |  | $0.00 | $5070.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 62440 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2541.53 | $10363.77 |  | 7.314% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8900.34 | 1 | [Redacted] | $4823.04 | [Redacted] | $401.92 |  |  |  |  |  | 35.482% | 35.482% | 35.482% | 10/03/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2010 | [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 |  |  | [Redacted] | $2541.53 |  | 6.240% | $0.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $361022.58 | 46.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.61 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 18745 |  |  |  | Non QM |  |  |  | Yes | No | $10651.93 | $13558.71 |  | 8.035% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13146.79 | 1 | [Redacted] | $2838.96 | [Redacted] | $236.58 |  |  |  |  |  | 41.000% | 41.000% | 41.000% | 11/05/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70.000% | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10651.93 |  | 6.230% | $10000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $240393.24 | 26.400% | No |  | 16 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.03 | Retail |  | No |  | $0.00 | $6695.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 16175 |  |  |  | Non QM |  |  |  | Yes | No | $13314.00 | $14052.89 |  | 7.366% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21478.17 | 1 | [Redacted] | $1792.80 | [Redacted] | $149.40 |  |  |  |  |  | 41.712% | 41.712% | 41.712% | 10/28/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13314.00 |  | 6.160% | $0.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $5464.70 |  | 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 | 23.5 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
|  | 90401 |  |  |  | Non QM |  |  |  | Yes | No | $7218.26 | $2176.02 |  | 6.072% | [Redacted] | [Redacted] | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6300.23 | 1 | [Redacted] | $242.04 | [Redacted] | $20.17 |  |  |  |  |  | 39.398% | 39.398% | 39.398% | 10/21/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7218.26 |  | 6.170% | $11000.00 | 1 |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $189211.77 | 41.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.14 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 23907 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $5953.81 | $9814.11 |  | 8.044% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $10763.69 | 1 | [Redacted] | $720.00 | [Redacted] | $60.00 |  |  |  |  |  | 33.322% | 33.322% | 33.322% | 11/07/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5953.81 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $102126.67 | 17.020% | 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 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 5.46 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 18971 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5770.00 | $2140.28 |  | 7.051% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16098.08 | 1 | [Redacted] | $3939.96 | [Redacted] | $328.33 |  |  |  |  |  | 39.800% | 39.800% | 39.800% | 10/06/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [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]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $5770.00 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.67 |  | No | No |  | $13370.52 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 97140 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2145.00 | $6370.07 |  | 7.374% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11310.41 | 1 | [Redacted] | $1554.00 | [Redacted] | $129.50 |  |  |  |  |  | 40.547% | 40.547% | 40.547% | 10/22/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2145.00 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $14454.22 | 3.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.53 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 98738 |  |  |  | Non QM |  |  |  | Yes | No | $1730.00 | $2790.73 |  | 6.891% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28743.12 | 1 | [Redacted] | $5246.16 | [Redacted] | $437.18 |  |  |  |  |  | 33.985% | 28.784% | 33.985% | 08/12/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1994 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1730.00 |  | 6.290% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redacted] | $54623.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12.81 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 18879 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $3994.60 | $3432.60 |  | 7.769% | [Redacted] | [Redacted] | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5389.01 | 1 | [Redacted] | $2339.16 | [Redacted] | $194.93 |  |  |  |  |  | 36.540% | 36.540% | 36.540% | 10/31/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3994.60 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $57574.84 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.74 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 77062 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4115.00 | $4788.26 |  | 6.957% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10293.83 | 1 | [Redacted] | $1927.20 | [Redacted] | $160.60 |  |  |  |  |  | 39.296% | 39.296% | 39.296% | 10/16/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4115.00 |  | 6.170% | $0.00 | 3.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $3491.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.63 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 12026 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1928.25 | $3277.43 |  | 7.825% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20641.09 | 1 | [Redacted] | $1992.12 | [Redacted] | $166.01 |  |  |  |  |  | 24.405% | 24.405% | 24.405% | 10/17/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | [Redacted] | $1928.25 |  | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $22584.17 | 4.650% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.48 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 48009 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $0.00 |  | 6.988% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $15807.66 | 1 | [Redacted] | $6400.20 | [Redacted] | $533.35 |  |  |  |  |  | 38.232% | 38.232% | 38.232% | 10/24/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1790.00 |  | 6.240% | $35000.00 |  |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $437760.41 | 35.580% | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 21.53 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26159 |  |  |  | Non QM |  |  |  | Yes | No | $48965.54 | $4863.73 |  | 6.023% | [Redacted] | [Redacted] | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20958.03 | 1 | [Redacted] | $1836.12 | [Redacted] | $153.01 |  |  |  |  |  | 40.247% | 31.907% | 40.247% | 10/31/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $48965.54 |  | 6.160% | $73938.00 | 1 |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  | 240 | [Redacted] | $748630.43 | 44.300% | Yes |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.89 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 69790 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14555.00 | $2002.70 |  | 6.907% | [Redacted] | [Redacted] | 6.875% | No | No | Not Employed | Not Employed | Self-Employed |  | 26.57 |  |  | US Citizen | US Citizen |  |  |  |  |  | $9682.35 | 1 | [Redacted] | $2244.12 | [Redacted] | $187.01 |  |  |  |  |  | 42.623% | 42.623% | 42.623% | 10/15/2025 | 722 | 709 | 751 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14555.00 |  | 6.170% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $47544.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | 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 | 8.66 | Broker |  | No |  | $16875.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91624 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8551.55 | $14349.46 |  | 6.887% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34145.38 | 1 | [Redacted] | $6919.44 | [Redacted] | $576.62 |  |  |  |  |  | 18.588% | 18.588% | 18.588% |  | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 |  |  | [Redacted] | $8551.55 |  | 6.230% | $0.00 | 1.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 | 81.95 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58932 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16787.40 | $27426.97 |  | 7.357% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7697.17 | 1 | [Redacted] | $1875.00 | [Redacted] | $156.25 |  |  |  |  |  | 40.793% | 40.793% | 40.793% | 10/03/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 77.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 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 |  |  | [Redacted] | $16787.40 |  | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.72 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 54136 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $9693.29 | $1739.20 |  | 7.859% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5405.31 | 1 | [Redacted] | $2448.96 | [Redacted] | $204.08 |  |  |  |  |  | 43.480% | 43.480% | 43.480% | 10/20/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  | [Redacted] | $9693.29 |  | 6.190% | $28000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $86944.20 | 18.300% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.07 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 28279 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1497.00 | $6592.42 |  | 7.165% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5991.25 | 1 | [Redacted] | $1989.96 | [Redacted] | $165.83 |  |  |  |  |  | 48.439% | 48.439% | 48.439% | 10/29/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1497.00 |  | 6.260% | $65000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $348575.81 | 33.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 86852 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $11445.62 |  | 6.507% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49495.29 | 1 | [Redacted] | $9335.04 | [Redacted] | $777.92 |  |  |  |  |  | 37.708% | 37.708% | 37.708% | 11/11/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1575.00 |  | 6.260% | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $332263.01 |  | 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 | 28.83 | Retail |  | No |  | $39728.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 40132 |  |  |  | N/A |  |  |  | No | No | $16363.24 |  |  | 8.340% | [Redacted] | [Redacted] | 8.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12594.89 | 1 | [Redacted] | $765.00 | [Redacted] | $63.75 |  |  |  |  |  | 35.884% | 35.884% | 35.884% | 07/21/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [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> [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%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16363.24 |  | 6.160% | $9500.00 |  |  |  |  | N/A | No | 8.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $482728.46 | 74.120% | 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 |  |  |  |  |  |  |  |  |  |  |  | 61.01 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 83212 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $635.04 | [Redacted] | $52.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 443.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 17474 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1188.96 | [Redacted] | $99.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | [Redacted] | $114141.54 | 13.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 36267 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $2328.60 | [Redacted] | $194.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | [Redacted] | $11315.59 |  | 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 | 6.53 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 17146 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2112.00 | [Redacted] | $176.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.97 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
|  | 42984 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2041.68 | [Redacted] | $170.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redacted] | $74285.28 | 10.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 618.17 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34926 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3141.12 | [Redacted] | $261.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.36 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 82409 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3142.92 | [Redacted] | $261.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 51374 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2197.56 | [Redacted] | $183.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redacted] | $20000.00 | 4.620% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 81083 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2103.24 | [Redacted] | $175.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $843076.82 | 100.000% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 244.45 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 47808 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2212.80 | [Redacted] | $184.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redacted] | $843076.82 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 246.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 63729 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $3501.00 | [Redacted] | $291.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [Redacted] | $1071325.15 |  | 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 | 290.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 |
|  | 84760 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1080.96 | [Redacted] | $90.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $477001.26 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 173.68 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 30771 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $7008.00 | [Redacted] | $584.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redacted] | $720347.20 | 95.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.23 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 96263 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1349.04 | [Redacted] | $112.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redacted] | $174264.94 | 38.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 91677 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2337.24 | [Redacted] | $194.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | [Redacted] | $122452.21 | 32.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.21 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 30345 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1091.04 | [Redacted] | $90.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redacted] | $112375.13 | 34.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.01 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 72748 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redacted] | $3057.36 | [Redacted] | $254.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 124.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 89221 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $672.36 | [Redacted] | $56.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redacted] | $130799.56 | 26.960% | 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 |  |  |  |  |  |  |  |  |  |  |  | 8.3 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 55142 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2056.08 | [Redacted] | $171.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 118.37 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 74225 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1077.00 | [Redacted] | $89.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redacted] | $148390.95 | 52.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.16 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
|  | 70323 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $972.00 | [Redacted] | $81.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 115.6 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
|  | 97343 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2142.96 | [Redacted] | $178.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 38.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 42891 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1802.16 | [Redacted] | $150.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redacted] | $130593.55 |  | 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 | 25.49 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58326 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2183.04 | [Redacted] | $181.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 118.06 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 17691 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1245.00 | [Redacted] | $103.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redacted] | $58793.61 | 29.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.88 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 90203 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redacted] | $3858.96 | [Redacted] | $321.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.24 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
|  | 67649 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $980.04 | [Redacted] | $81.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | [Redacted] | $245211.41 | 34.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.8 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 15933 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $3126.00 | [Redacted] | $260.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redacted] | $53042.20 | 6.540% | 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 |  |  |  |  |  |  |  |  |  |  |  | 83.36 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 93482 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1656.96 | [Redacted] | $138.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [Redacted] | $103148.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 65.48 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 10719 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1871.04 | [Redacted] | $155.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | [Redacted] | $476242.31 | 47.620% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.05 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 52271 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $6927.00 | [Redacted] | $577.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redacted] | $369024.75 | 30.750% | 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 |  |  |  |  |  |  |  |  |  |  |  | 33.06 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 68244 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $435.96 | [Redacted] | $36.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redacted] | $28625.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.94 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 76761 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3725.28 | [Redacted] | $310.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.04 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 70358 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $944.04 | [Redacted] | $78.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $220229.33 | 33.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.58 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
|  | 66549 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $972.96 | [Redacted] | $81.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.29 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 11467 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1071.48 | [Redacted] | $89.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/13/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 123.84 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 80193 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2182.44 | [Redacted] | $181.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redacted] | $10000.00 | 3.700% | 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 |  |  |  |  |  |  |  |  |  |  |  | 79.83 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
|  | 26608 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1034.04 | [Redacted] | $86.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $160521.55 | 54.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 14589 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2328.84 | [Redacted] | $194.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 92.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 14994 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $42158.35 | $42924.37 |  | 7.170% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $136525.32 | 1 | [Redacted] | $9941.04 | [Redacted] | $828.42 |  |  |  |  |  | 19.232% | 19.232% | 19.232% | 10/10/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $42158.35 |  | 6.230% | $0.00 | 999 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $166279.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 35454 |  |  |  | Non QM |  |  |  | Yes | No | $4855.46 | $4032.91 |  | 7.794% | [Redacted] | [Redacted] | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2995.09 | 1 | [Redacted] | $747.00 | [Redacted] | $62.25 |  |  |  |  |  | 38.066% | 38.066% | 38.066% | 11/07/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4855.46 |  | 6.230% | $1000.00 | 3.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $103901.06 | 59.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | VantageScore 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 74910 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $12242.28 | [Redacted] | $1020.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 75.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 15536 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1330.00 | $2355.00 |  | 6.619% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5273.46 | 1 | [Redacted] | $518.52 | [Redacted] | $43.21 |  |  |  |  |  | 42.366% | 42.366% | 42.366% | 08/19/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1330.00 |  | 6.310% | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | 6.500% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | $310536.87 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 177.03 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 62831 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11961.20 | $21067.88 |  | 6.694% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8999.33 | 1 | [Redacted] | $4628.88 | [Redacted] | $385.74 |  |  |  |  |  | 42.778% | 42.778% | 42.778% | 09/03/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11961.20 |  | 6.220% | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | 6.375% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 26506 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $13006.66 |  | 7.495% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income | Self-Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $7607.13 | 1 | [Redacted] | $6014.04 | [Redacted] | $501.17 |  |  |  |  |  | 49.209% | 49.209% | 49.209% | 08/29/2025 | 701 | 810 | 839 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Social Security]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; D1C Income Verification Report - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 6.310% | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | 7.375% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $47078.33 |  | No | 2 |  | 1 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 6.73 | Retail | No | No |  | $11084.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 60430 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1700.00 | $4701.80 |  | 6.449% | [Redacted] | [Redacted] | 6.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8441.20 | 1 | [Redacted] | $1052.76 | [Redacted] | $87.73 |  |  |  |  |  | 49.747% | 49.747% | 49.747% | 10/06/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1700.00 |  | 6.310% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 6.375% | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $50268.79 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.11 | Retail | No | No |  | $5616.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 34406 |  |  |  | N/A |  |  |  | No | Yes | $1950.00 | $4062.41 |  | 6.824% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $51225.80 | 1 | [Redacted] | $1914.96 | [Redacted] | $159.58 |  |  |  |  |  | 35.659% | 35.659% | 35.659% | 10/27/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1950.00 |  | 6.170% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $556315.55 | 100.000% | No | 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 |  |  |  |  |  |  |  |  |  |  |  | 113.18 | Retail | No | No |  | $0.00 | $63750.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
|  | 24604 |  |  |  | N/A |  |  |  | No | Yes | $1950.00 | $3521.77 |  | 6.811% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $51225.79 | 1 | [Redacted] | $1914.96 | [Redacted] | $159.58 |  |  |  |  |  | 35.659% | 35.659% | 35.659% | 10/27/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1950.00 |  | 6.160% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $538645.27 | 100.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 108.67 | Retail | No | No |  | $0.00 | $63750.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
|  | 33585 |  |  |  | N/A |  |  |  | No | No | $3090.00 | $7584.00 |  | 6.196% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37655.14 | 1 | [Redacted] | $978.00 | [Redacted] | $81.50 |  |  |  |  |  | 30.998% | 30.998% | 30.998% | 10/20/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3090.00 |  | 6.240% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $781921.84 | 57.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.06 | Retail | Yes | No |  | $0.00 | $39773.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 82096 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6274.20 | $8465.71 |  | 7.085% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22472.35 | 1 | [Redacted] | $2064.96 | [Redacted] | $172.08 |  |  |  |  |  | 16.794% | 16.794% | 16.794% | 10/29/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 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 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6274.20 |  | 6.170% | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 37692 |  |  |  | N/A |  |  |  | No | Yes | $1956.92 | $8466.63 |  | 6.765% | [Redacted] | [Redacted] | 6.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3330.71 | 1 | [Redacted] | $732.00 | [Redacted] | $61.00 |  |  |  |  |  | 44.488% | 44.488% | 44.488% | 10/27/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1956.92 |  | 6.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $252545.54 | 54.420% | 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 |  |  |  |  |  |  |  |  |  |  |  | 33.71 | Retail | No | No |  | $974.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 34847 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7845.00 | $15923.56 |  | 6.993% | [Redacted] | [Redacted] | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $66737.92 | 1 | [Redacted] | $3839.04 | [Redacted] | $319.92 |  |  |  |  |  | 13.001% | 13.001% | 13.001% | 10/13/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7845.00 |  | 6.170% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $362862.22 | 48.380% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.92 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 56531 |  |  |  | N/A |  |  |  | No | Yes | $4275.00 | $7955.70 |  | 6.846% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28222.60 | 1 | [Redacted] | $913.08 | [Redacted] | $76.09 |  |  |  |  |  | 22.990% | 22.990% | 22.990% | 10/08/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4275.00 |  | 6.160% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.500% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $161834.26 | 59.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.66 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 89621 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2295.00 | $4555.00 |  | 7.052% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redacted] | [Redacted] |  |  | $6353.57 | 1 | [Redacted] | $2850.96 | [Redacted] | $237.58 |  |  |  |  |  | 48.117% | 48.117% | 48.117% | 09/22/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2295.00 |  | 6.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.000% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $35273.35 |  | 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 |  |  |  |  |  |  | Employment Authorization | VISA |  |  | No | 7.36 | Retail | No | No |  | $0.00 | $7833.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 98478 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7255.00 | $8168.87 |  | 6.528% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $7905.34 | 1 | [Redacted] | $1420.08 | [Redacted] | $118.34 |  |  |  |  |  | 41.997% | 41.997% | 41.997% | 10/22/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7255.00 |  | 6.170% | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | 6.375% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No |  | Retail |  | No |  | $0.00 | $3749.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 19268 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15000.00 | $19595.60 |  | 7.187% | [Redacted] | [Redacted] | 6.990% | No | No | Not Employed | Non-Employment Income | Employed |  | 0.34 |  |  | US Citizen | US Citizen |  |  |  |  |  | $9826.72 | 1 | [Redacted] | $2831.52 | [Redacted] | $235.96 |  |  |  |  |  | 42.754% | 42.754% | 42.754% | 09/23/2025 | 689 | 707 | 688 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2011<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15000.00 |  | 6.220% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 0 | 0 | 3 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $706903.88 |  | No |  |  | 31 |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | 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 | 113.21 | Retail | No | No |  | $10165.80 | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 81514 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 5.974% | [Redacted] | [Redacted] | 6.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15701.62 | 1 | [Redacted] | $1880.88 | [Redacted] | $156.74 |  |  |  |  |  | 45.813% | 45.813% | 45.813% | 10/22/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.240% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | 6.000% | 2 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redacted] | $613774.40 |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 132.24 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
|  | 92357 |  |  |  | N/A |  |  |  | No | Yes | $0.00 |  |  | 6.358% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16322.07 | 1 | [Redacted] | $1140.96 | [Redacted] | $95.08 |  |  |  |  |  | 32.318% | 32.318% | 32.318% | 09/22/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; 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> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.160% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 8.73 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $209185.74 | 46.480% | 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 |  |  |  |  |  |  |  |  |  |  |  | 41.39 | Retail | No | No |  | $4384.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 10993 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.367% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12962.10 | 4 | [Redacted] | $3984.96 | [Redacted] | $332.08 |  |  |  |  |  | 33.535% | 33.535% | 33.535% | 11/03/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.170% | $1900.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $252267.25 | 51.480% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.79 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 29926 |  |  |  | Non QM |  |  |  | Yes | No | $6482.13 | $7660.15 |  | 6.825% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2162.60 | 1 | [Redacted] | $1827.96 | [Redacted] | $152.33 |  |  |  |  |  | 47.626% | 47.626% | 47.626% | 11/18/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2011 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6482.13 |  | 6.230% | $0.00 | 4 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $8146.53 |  | 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 | 6.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 24851 |  |  |  | Non QM |  |  |  | Yes | No | $12754.60 | $789.63 |  | 8.761% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22138.35 | 1 | [Redacted] | $1698.96 | [Redacted] | $141.58 |  |  |  |  |  | 23.020% | 23.020% | 23.020% | 09/22/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $12754.60 |  | 6.240% | $18000.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $49135.55 | 8.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.02 | Retail |  | No |  | $14379.36 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 13097 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11845.00 | $4300.11 |  | 6.787% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5677.66 | 1 | [Redacted] | $2109.00 | [Redacted] | $175.75 |  |  |  |  |  | 45.407% | 45.407% | 45.407% | 09/11/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012<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 - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11845.00 |  | 6.290% | $0.00 | 4.2 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $19070.48 |  | 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 | 15.22 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 76573 |  |  |  | Non QM |  |  |  | Yes | No | $11400.00 | $13280.00 |  | 6.943% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11831.54 | 1 | [Redacted] | $3995.04 | [Redacted] | $332.92 |  |  |  |  |  | 37.144% | 37.144% | 37.144% | 09/12/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11400.00 |  | 6.290% | $0.00 | 3.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 70185 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3765.00 | $6732.38 |  | 7.007% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3444.99 | 1 | [Redacted] | $3410.04 | [Redacted] | $284.17 |  |  |  |  |  | 38.678% | 38.678% | 38.678% | 10/17/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3765.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.17 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 66438 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $4487.06 |  | 6.309% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13654.56 | 1 | [Redacted] | $3333.96 | [Redacted] | $277.83 |  |  |  |  |  | 39.988% | 39.988% | 39.988% | 11/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.230% | $22290.46 | 3 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $160084.70 | 20.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.1 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 93167 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11845.00 | $4994.13 |  | 7.311% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41152.74 | 1 | [Redacted] | $2358.48 | [Redacted] | $196.54 |  |  |  |  |  | 8.558% | 8.558% | 8.558% | 11/03/2025 | 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11845.00 |  | 6.260% | $46750.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $173327.95 | 33.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.89 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 48800 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $6973.48 |  | 6.538% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1193763.32 | 1 | [Redacted] | $1292.16 | [Redacted] | $107.68 |  |  |  |  |  | 0.551% | 0.551% | 0.551% | 10/30/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1226372.68 | 81.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 264.66 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 64037 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2495.00 | $14910.81 |  | 6.624% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47246.26 | 1 | [Redacted] | $6145.68 | [Redacted] | $512.14 |  |  |  |  |  | 19.313% | 19.313% | 19.313% | 10/20/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2495.00 |  | 6.240% | $5400.00 | 4.4 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1109319.50 | 81.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.53 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 31802 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6190.00 | $12415.55 |  | 6.758% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33215.48 | 1 | [Redacted] | $906.96 | [Redacted] | $75.58 |  |  |  |  |  | 8.738% | 8.738% | 8.738% | 11/04/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | [Redacted] | $6190.00 |  | 6.170% | $5490.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $12001.90 | 2.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 83661 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4351.28 | $6298.72 |  | 6.595% | [Redacted] | [Redacted] | 6.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4757.53 | 1 | [Redacted] | $2584.08 | [Redacted] | $215.34 |  |  |  |  |  | 48.402% | 48.402% | 48.402% | 11/03/2025 | 822 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4351.28 |  | 5.730% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $774039.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 144.01 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 45852 |  |  |  | Non QM |  |  |  | Yes | No | $14833.00 | $4513.10 |  | 6.546% | [Redacted] | [Redacted] | 6.500% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $99050.59 | 1 | [Redacted] | $7224.96 | [Redacted] | $602.08 |  |  |  |  |  | 9.944% | 9.944% | 9.944% | 10/28/2025 | 757 | 782 | 786 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14833.00 |  | 6.240% | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | 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 | 9.92 | Broker |  | No |  | $109987.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90994 |  |  |  | Non QM |  |  |  | Yes | No | $13535.00 | $17366.31 |  | 6.657% | [Redacted] | [Redacted] | 6.250% | No | No | Not Employed | Self-Employed | Employed |  | 1.34 |  | US Citizen | Permanent Resident Alien | US Citizen |  |  |  |  |  | $6706.00 | 1 | [Redacted] | $2439.00 | [Redacted] | $203.25 |  |  |  |  |  | 38.984% | 38.984% | 38.984% | 10/15/2025 | 742 | 701 | 722 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13535.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $16701.77 |  | No |  |  | 15 |  | Yes | Final | Fee Simple | Individual | Individual | 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 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Employment Authorization |  |  | No | 39.03 | Retail |  | No |  | $7203.21 | $3787.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90419 |  |  |  | Non QM |  |  |  | Yes | No | $12449.26 | $16077.73 |  | 6.971% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11506.41 | 1 | [Redacted] | $1301.04 | [Redacted] | $108.42 |  |  |  |  |  | 22.009% | 22.009% | 22.009% | 09/30/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12449.26 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $1021472.95 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 378.57 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 29520 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9267.50 | $10942.10 |  | 7.165% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7373.71 | 1 | [Redacted] | $4087.68 | [Redacted] | $340.64 |  |  |  |  |  | 28.236% | 28.236% | 28.236% | 10/15/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | [Redacted] | $9267.50 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 42379 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1850.00 | $5474.85 |  | 7.079% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7877.81 | 1 | [Redacted] | $7806.96 | [Redacted] | $650.58 |  |  |  |  |  | 48.820% | 48.820% | 48.820% | 11/11/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [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]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1850.00 |  | 6.230% | $0.00 | 4.5 |  |  |  | N/A | No | 7.000% | 1 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1605483.87 | 80.470% | No | 21 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.94 | Retail | Yes | No |  | $4469.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 83486 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1950.00 | $5220.75 |  | 7.304% | [Redacted] | [Redacted] | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11662.31 | 1 | [Redacted] | $1790.40 | [Redacted] | $149.20 |  |  |  |  |  | 41.689% | 41.689% | 41.689% | 11/15/2025 | 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 | [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 |  |  | [Redacted] | $1950.00 |  | 6.230% | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $1134678.32 | 92.620% | No | 3 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 109.15 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 93060 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $5895.70 |  | 6.653% | [Redacted] | [Redacted] | 6.625% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17979.46 | 1 | [Redacted] | $2108.04 | [Redacted] | $175.67 |  |  |  |  |  | 46.000% | 46.000% | 46.000% | 12/02/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1790.00 |  | 6.230% | $0.00 | 2.3 |  |  |  | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $48335.49 |  | No |  | 34 |  |  | 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 | 10.7 | Retail | No | No |  | $0.00 | $25833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 15505 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1915.00 | $9702.88 |  | 6.905% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $79283.02 | 1 | [Redacted] | $3372.00 | [Redacted] | $281.00 |  |  |  |  |  | 37.943% | 37.943% | 37.943% | 10/24/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1915.00 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] |  |  | 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 | 126.39 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 46664 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25198.00 | $34030.85 |  | 6.493% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57669.09 | 1 | [Redacted] | $5133.00 | [Redacted] | $427.75 |  |  |  |  |  | 32.878% | 32.878% | 32.878% | 10/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $25198.00 |  | 6.230% | $0.00 | 5 |  |  |  | N/A | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $639022.31 |  | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.28 |  | No | No |  | $0.00 | $44250.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 57796 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17329.00 | $21704.53 |  | 6.926% | [Redacted] | [Redacted] | 6.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $63494.22 | 1 | [Redacted] | $9550.92 | [Redacted] | $795.91 |  |  |  |  |  | 21.202% | 21.202% | 21.202% | 12/01/2025 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17329.00 |  | 6.240% | $0.00 | 5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | 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 | 16.12 | Retail |  | No |  | $80578.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 15407 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7092.31 | $9348.76 |  | 7.022% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9838.47 | 1 | [Redacted] | $1386.00 | [Redacted] | $115.50 |  |  |  |  |  | 40.230% | 40.230% | 40.230% | 10/21/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| 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: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| 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 |  |  | [Redacted] | $7092.31 |  | 6.160% | $7499.82 | 4.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $326235.34 | 46.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.46 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
|  | 77080 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4580.04 | [Redacted] | $381.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/11/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redacted] | $146800.92 | 18.700% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.48 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 17479 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $10802.04 | [Redacted] | $900.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | [Redacted] |  |  | 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 | 91.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 88041 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $1539.00 | [Redacted] | $128.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | [Redacted] | $110981.23 | 35.940% | 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 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 21.5 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 12983 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2593.80 | [Redacted] | $216.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | [Redacted] | $460712.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 274.01 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 15069 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1065.12 | [Redacted] | $88.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.43 | 0.41 |  |  |  |  |  |  |  | [Redacted] | $1754823.76 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  |
|  | 90308 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2412.96 | [Redacted] | $201.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | [Redacted] | $25252.32 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 6.37 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 91685 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $4625.64 | [Redacted] | $385.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redacted] | $221561.26 | 61.540% | 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 |  |  |  |  |  |  |  |  | 48.14 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 95344 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $678.00 | [Redacted] | $56.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 129.39 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 78793 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redacted] | $2886.48 | [Redacted] | $240.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.76 | 0.36 |  |  |  |  |  |  |  | [Redacted] | $812719.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | 152.31 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 71948 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4507.56 | [Redacted] | $375.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.86 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 90972 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3711.96 | [Redacted] | $309.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redacted] | $416161.88 | 48.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.58 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 23458 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $763.80 | [Redacted] | $63.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redacted] | $196677.75 | 68.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.98 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 35298 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1315.32 | [Redacted] | $109.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | [Redacted] | $5000.00 | 2.560% | 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 |  |  |  |  |  |  |  |  |  |  |  | 27.28 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 22645 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1647.96 | [Redacted] | $137.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/13/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [Redacted] | $0.00 |  | 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 | 28.6 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
|  | 38377 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $548.04 | [Redacted] | $45.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redacted] | $525573.62 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 171.92 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 36854 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1407.00 | [Redacted] | $117.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | [Redacted] | $142308.98 | 18.970% | 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 |  |  |  |  |  |  |  |  | 42.99 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 56520 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2331.96 | [Redacted] | $194.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redacted] | $618785.21 | 70.310% | 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 |  |  |  |  |  |  |  |  |  |  |  | 49.14 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 38263 |  |  |  | Non QM |  |  |  | Yes | No | $6856.76 | $11000.01 |  | 8.542% | [Redacted] | [Redacted] | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $26950.88 | 1 | [Redacted] | $1404.96 | [Redacted] | $117.08 |  |  |  |  |  | 16.700% | 16.700% | 16.700% | 10/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6856.76 |  | 6.260% | $10000.00 | 3 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $40000.00 | 6.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.84 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 58064 |  |  |  | N/A |  |  |  | No | No | $7250.47 | $9774.67 |  | 7.791% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redacted] |  |  |  | $104404.18 | 1 | [Redacted] | $3305.40 | [Redacted] | $275.45 |  |  |  |  |  | 12.431% | 12.431% | 12.431% | 11/12/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 70.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| 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: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| 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: 70.00% \| 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: 70.00% \| 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: 70.00% \| 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: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7250.47 |  | 6.230% | $0.00 | 1.4 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $199440.20 | 28.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 9.27 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 72890 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $4920.00 | $5918.23 |  | 7.810% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3322.39 | 1 | [Redacted] | $3618.24 | [Redacted] | $301.52 |  |  |  |  |  | 49.618% | 49.618% | 49.618% | 11/13/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 75.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 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]; 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<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4920.00 |  | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.73 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 20011 |  |  |  | N/A |  |  |  | No | No | $7312.50 |  |  | 7.850% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9470.82 | 1 | [Redacted] | $1453.80 | [Redacted] | $121.15 |  |  |  |  |  | 46.480% | 46.480% | 46.480% | 08/12/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7312.50 |  | 6.260% | $0.00 | 1.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redacted] | $140367.57 | 43.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.88 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
|  | 60028 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $947.04 | [Redacted] | $78.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redacted] | $460712.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 352.39 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 63384 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1006.08 | [Redacted] | $83.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redacted] | $31000.28 |  | No |  |  |  |  | Yes | Final | 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 | 14.64 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
|  | 95637 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $4356.00 | [Redacted] | $363.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redacted] |  |  | 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 | 123.01 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
|  | 14989 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1956.00 | [Redacted] | $163.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redacted] | $106459.42 | 31.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.24 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
|  | 54398 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1403.04 | [Redacted] | $116.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.6

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
|  | 43124 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 43124 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 43124 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 43124 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 43124 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 43124 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 43124 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 43124 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 50387 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 50387 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 49964 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 49964 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 49964 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 18647 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 18647 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 18647 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 18647 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.92 | 1.93 | Verified | Due to rounding. |
|  | 32695 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 32695 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 32695 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.47 | Verified | Field value reflects source document |
|  | 18555 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 40030 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 40030 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 40030 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 40030 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 13440 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 13440 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 13440 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 13440 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 13440 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 13440 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 13440 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.49 | Verified | Field value reflects source document |
|  | 60242 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 60242 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 60242 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 60242 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 60242 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 60242 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 56755 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 10400 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 27981 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 27981 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 27981 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 27981 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 27981 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 27981 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 27981 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 78278 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 78278 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 78278 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 78278 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 78278 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 78278 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 78278 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20806 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20806 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20806 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20806 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20806 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20806 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 20806 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 24210 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 24210 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 24210 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 24210 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 24210 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 24210 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 24210 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 24210 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 75048 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 75048 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 75048 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 75048 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 75048 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 75048 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 75048 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 86085 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 86085 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 86085 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 86085 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 86085 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 86085 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 88439 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 88439 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 88439 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 88439 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 88439 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 88439 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 88439 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93787 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 93787 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 93787 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 93787 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 93787 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 93787 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93156 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 93156 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 93156 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 93156 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 93156 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 93156 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 44497 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 44497 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 44497 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 44497 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 44497 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 44497 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 77397 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 77397 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 77397 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 77397 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | The lender used the 2024 property taxes instead of the 2025 property taxes. |
|  | 61384 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 61384 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 35289 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 35289 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 35289 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 35289 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Unable to verify due to missing information |
|  | 35289 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 35289 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 35289 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 35289 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | Verified | Unable to verify due to missing information |
|  | 47641 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47641 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 47641 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47641 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47641 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 47641 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 47641 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 47641 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Field value reflects source document |
|  | 71646 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 71646 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 71646 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 71646 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 71646 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 71646 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 71646 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 37790 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 37790 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 37790 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 37790 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 37790 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 37790 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 37790 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.06 | Verified | Due to rounding. |
|  | 20362 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20362 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 15549 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 15549 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 15549 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 15549 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 15549 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 15549 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 15549 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 69617 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 69617 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 69617 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 69617 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 69617 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 69617 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 69617 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 69617 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 11271 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 11271 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 11271 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 11271 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 11271 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 11271 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 11271 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 67881 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 67881 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 67881 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 67881 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 67881 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 67881 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 67881 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 74510 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 74510 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 74510 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 74510 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 74510 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 74510 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 74510 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 92645 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 92645 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 90574 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 90574 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 90574 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 71039 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 71039 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Found on the fraud report. |
|  | 31865 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 31865 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 42153 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 42153 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 42153 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.81 | 0.82 | Verified | Field Value matches the DSCR Worksheet. |
|  | 22033 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 71172 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 71172 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 71172 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 71172 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 71172 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 71172 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 58439 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58439 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58439 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58439 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 58439 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 58439 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.067 | 37.64298 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 58439 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 31661 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 31661 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 31661 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 31661 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 31661 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 31661 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 82048 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 82048 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 82048 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 82048 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 82048 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 82048 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 82048 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 82048 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 73453 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 73453 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 73453 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 73453 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 73453 |  |  |  |  | Representative FICO | 778 | 811 |  |  |
|  | 73453 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 73453 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 73453 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 73453 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 69441 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 69441 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 69441 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 69441 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 69441 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 69441 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 52.633 | 49.98144 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 69441 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 48316 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 48316 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 48316 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 48316 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 48316 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 48316 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 51754 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 51754 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 51754 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 51754 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 51754 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
|  | 51754 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 51754 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 51754 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
|  | 18968 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 18968 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 18968 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 18968 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 18968 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 18968 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 18968 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
|  | 99417 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 99417 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 99417 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 99417 |  |  |  |  | Representative FICO | 817 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 99417 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 99417 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 99417 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 71208 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 71208 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 71208 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 71208 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 71208 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 71208 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Original Sales Price found on the fraud report. |
|  | 71208 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 71208 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field Value of 1.02 is inline with the DSCR Worksheet Ratio of 1.01. The difference is due to rounding. |
|  | 28969 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28969 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28969 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28969 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 28969 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 28969 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 50417 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 50417 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 50417 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 50417 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 50417 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 50417 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 50417 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 50417 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 74599 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 74599 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 74599 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 74599 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 74599 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 74599 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 74599 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 98536 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 98536 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 98536 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 98536 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 98536 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 98536 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 98536 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.956 | 24.89513 | Verified | Unable to verify due to missing information |
|  | 98536 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 36082 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 36082 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 36082 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 36082 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 36082 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 36082 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 36082 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 11862 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 11862 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 11862 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Sales Price found on the fraud report. |
|  | 11862 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Due to rounding. |
|  | 67839 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 67839 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Field value reflects source document |
|  | 64291 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 90829 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 90829 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 90829 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 90829 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 90829 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 62695 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 62695 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 62695 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 62695 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 62695 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 62695 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 50.907 | 48.78376 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 62695 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28784 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28784 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28784 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28784 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 28784 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 28784 |  |  |  |  | Originator Loan Designation |  | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 65976 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 65976 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 65976 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 65976 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 65976 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 65976 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 65976 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 65976 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 23336 |  |  |  |  | Original Term |  | 360 | Verified | Tape Value reflects the Modification value |
|  | 23336 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 23336 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 23336 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 16955 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 16955 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 16955 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 16955 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 46341 |  |  |  |  | Amortization Type |  | Fixed | Verified | Bid Tape Field Value not provided |
|  | 41664 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 41664 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 41664 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 41664 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47901 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47901 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 47901 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47901 |  |  |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47901 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47901 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 47901 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 47901 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Field value reflects source document |
|  | 75322 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 75322 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 75322 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 75322 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 75322 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 75322 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 75322 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 80832 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 80832 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 80832 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 80832 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 80832 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 80832 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 80832 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 37743 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 37743 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 37743 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 37743 |  |  |  |  | Representative FICO | 726 | 795 | Verified | Unable to verify due to missing information |
|  | 37743 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 37743 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 37743 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 37743 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 41901 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 41901 |  |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 71184 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 71184 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 27966 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Due to rounding. |
|  | 99264 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.82 | 0.83 | Verified | Field value reflects source document |
|  | 21639 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 21639 |  |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
|  | 21639 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 21639 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 21639 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 21639 |  |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 21639 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 21639 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 21639 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 21639 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 21639 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 21639 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 40713 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 40713 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 40713 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 40713 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 40713 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 40713 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 48277 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 48277 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 48277 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 48277 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 48277 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 48277 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 23183 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 23183 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 23183 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 23183 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 23183 |  |  |  |  | Originator Loan Designation |  | N/A | Verified | Field value reflects source document |
|  | 68920 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 68920 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 68920 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 68920 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 68920 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 68920 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 27576 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 27576 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 27576 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 27576 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 27576 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 27576 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 27576 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 27576 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.46 | Verified | Field value reflects source document |
|  | 67449 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 67449 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 67449 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 67449 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 67449 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 85713 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Unable to verify due to missing information |
|  | 85713 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 85713 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Unable to verify due to missing information |
|  | 40605 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 40605 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 40605 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 26528 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 23997 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 23997 |  |  |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 39505 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 29694 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 29694 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 0.91 | Verified | Field value reflects source document |
|  | 19155 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 19155 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 19155 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 69831 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 69831 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.46 | 1.40 | Verified | Field value reflects source document |
|  | 19653 |  |  |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 19653 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 55693 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 90855 |  |  |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 90855 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 93705 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 93705 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | $2400 Rent / $2293.47 PITIA = 1.05 |
|  | 85845 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 85845 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 26613 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79528 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79528 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79528 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 60770 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 60770 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 76432 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 76432 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 83450 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 83450 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 83450 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 83450 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Unable to verify due to missing information |
|  | 83450 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Unable to verify due to missing information |
|  | 47928 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Field value reflects source document |
|  | 66727 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 66727 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 70034 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Loan has an I/O feature. |
|  | 35290 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.564 | 32.53227 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 30921 |  |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 30921 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.76 | Verified | Field value reflects source document |
|  | 17301 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 17301 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 17301 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 17301 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 78594 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 78594 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 78594 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.86 | Verified | Field value reflects source document |
|  | 38694 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 38694 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.891 | 33.81202 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 71878 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 71878 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 30244 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 30244 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 30244 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 30244 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 30244 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 30244 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 30244 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 30244 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 30244 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 78225 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 78225 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 78225 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 78225 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 78225 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 78225 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 19231 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 19231 |  |  |  |  | Original Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 19231 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19231 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 19231 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19231 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Unable to verify due to missing information |
|  | 19231 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 50317 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 50317 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 50317 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 50317 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 44005 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 44005 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 44005 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 44005 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 44005 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 44005 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 39156 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 39156 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 39156 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 39156 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 39156 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19123 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 19123 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 19123 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19123 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 19123 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19123 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 19123 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 19123 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 44169 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 44169 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 44169 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 44169 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 44169 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 44169 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 23681 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 23681 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 23681 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 23681 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 23681 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 23681 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 23681 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 23681 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 14768 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 14768 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 14768 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 14768 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 14768 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 14768 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 14768 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 31880 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 14090 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 14090 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 14090 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 14090 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 14090 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 14090 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 53987 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 53987 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 53987 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 53987 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 53987 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 53987 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 53987 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 53987 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 29953 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 29953 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 29953 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 29953 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 48578 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 48578 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 48578 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 48578 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47642 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 47642 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47642 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 47642 |  |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 47642 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47642 |  |  |  |  | Representative FICO |  | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 47642 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47642 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 47642 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.144 | 44.12612 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 14773 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 14773 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 14773 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 14773 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 14773 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 14773 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 66057 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66057 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66057 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66057 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66057 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 66057 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 66057 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 46356 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 46356 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 46356 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 46356 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 46356 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 46356 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28009 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28009 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28009 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28009 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 28009 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 28009 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28009 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.76 | Verified | Field value reflects source document |
|  | 97077 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 97077 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 97077 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 97077 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 97077 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 97077 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 80638 |  |  |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 85589 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 18234 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.19 | Verified | Field value reflects source document |
|  | 18807 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 18807 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 18807 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 18807 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 18807 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 18807 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | N/A | Verified | Field value reflects source document |
|  | 18807 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 51.323 | 48.29191 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 55401 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 55401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 55401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 55401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 55401 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 55401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 55401 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 55401 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.404 | 31.71527 | Verified | In ,line with lender's dti |
|  | 55388 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 55388 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 55388 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 55388 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 55388 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 55388 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 55388 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 55388 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 79373 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 79373 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 79373 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 79373 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 79373 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 79373 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 79373 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 79373 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.12 | Verified | Field Value matches the DSCR Worksheet. |
|  | 60277 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 60277 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 60277 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 60277 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Approval/AUS |
|  | 60277 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Sales Price was located on the fraud report and property report. |
|  | 60277 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 36282 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 36282 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 36282 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 36282 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 36282 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 36282 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 36282 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 73377 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 73377 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 73377 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 73377 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 73377 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 73377 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.15 | Verified | Field value reflects source document |
|  | 62386 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 62386 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 62386 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 62386 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 62386 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 62386 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 62386 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 62386 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.11 | Verified | Lender used lower taxes from 2024 instead of the new higher taxes from 2025. |
|  | 21334 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 21334 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 21334 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 21334 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 21334 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 21334 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 21334 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.87 | 0.86 | Verified | Field value reflects source document |
|  | 14622 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 14622 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 14622 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 14622 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 14622 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 14622 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction, sales price found on the fraud report. |
|  | 14622 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63326 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 63326 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 63326 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 63326 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 63326 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 63326 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 63326 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63326 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.04 | Verified | Field value reflects source document |
|  | 31381 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 31381 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 31381 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 31381 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value reflects the Approval/AUS in file. |
|  | 31381 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 31381 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 31381 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 31381 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.38 | Verified | Field value reflects source document |
|  | 17309 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 17309 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 17309 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 17309 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 17309 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 17309 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20437 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20437 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20437 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20437 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20437 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20437 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20437 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 32830 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 32830 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 32830 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 32830 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 32830 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 32830 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 32830 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.89 | 0.97 | Verified | Field Value matches the value on the 1008 of 0.968. Difference is due to rounding. |
|  | 76502 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 76502 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 76502 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 76502 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 76502 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 76502 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 76502 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.94 | 0.92 | Verified | Field value reflects source document |
|  | 82814 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 82814 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 82814 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 82814 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 82814 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 82814 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 30284 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 44071 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 44071 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 44071 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 44071 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 44071 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 44071 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 44071 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 35505 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 61478 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 76282 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 76282 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 76282 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 76282 |  |  |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
|  | 76282 |  |  |  |  | Original Interest Rate | 6.625 | 7.125 | Verified | Field Value reflects the Note value |
|  | 76282 |  |  |  |  | Original P&I | [Redacted] | [Redacted] | Verified | Field Value reflects Note value |
|  | 76282 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 76282 |  |  |  |  | Original CLTV | 71.828 | 75 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
|  | 76282 |  |  |  |  | Original LTV | 71.828 | 75 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
|  | 76282 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Field value reflects source document |
|  | 11285 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 11285 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 11285 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 11285 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 11285 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.84 | Verified | Field value reflects source document |
|  | 93784 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 93784 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 93784 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 93784 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 93784 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.20 | Verified | Field value reflects source document |
|  | 21445 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 21445 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 21445 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 96170 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 96170 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 46126 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 54833 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 81388 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 70633 |  |  |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 15025 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 15025 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 15025 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 15025 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 15025 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 15025 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 15025 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 61682 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 61682 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 61682 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 61682 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 61682 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 61682 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 61682 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 75604 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 75604 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 75604 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 75604 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 75604 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 75604 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 75604 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 81704 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 81704 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 81704 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 81704 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 81704 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 81704 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 81704 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 97009 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 97009 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 97009 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 97009 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 97009 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 97009 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 80718 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 80718 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 80718 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 80718 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 80718 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 80718 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28074 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28074 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28074 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28074 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19933 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 19933 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 19933 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19933 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 19933 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19933 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 19933 |  |  |  |  | Originator Loan Designation |  | N/A | Verified | Field value reflects source document |
|  | 21401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 21401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 21401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 21401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 21401 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 21401 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 21560 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 21560 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 21560 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 21560 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 21560 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 21560 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 90222 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90222 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90222 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 90222 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 85980 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 85980 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 85980 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 85980 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 85980 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 85980 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.057 | 27.02919 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 85980 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 10290 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 72248 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 72248 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 72248 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 72248 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 72248 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 72248 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 49684 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 29626 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 98331 |  |  |  |  | Representative FICO | 716 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 98331 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 34092 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 34092 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 28066 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 30634 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 30634 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 30634 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 30634 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 30634 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 30634 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 30634 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 10450 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 10450 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 78909 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Used to verify the field the audit. |
|  | 95636 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 95636 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 95636 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 95636 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 95636 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 95636 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 95636 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.844 | 46.58147 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 95636 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 66336 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66336 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66336 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66336 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66336 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 66336 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 66336 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 44181 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 41877 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 41877 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.958 | 33.38721 | Verified | Income aligns to the 1003. Approval and 1008 show income of $20,045.43 |
|  | 50904 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 50904 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63415 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 63415 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 63415 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 63415 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 63415 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 63415 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 63415 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 81879 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 81879 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 81879 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 81879 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 81879 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 81879 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | N/A | Verified | Field value reflects source document |
|  | 58050 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58050 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58050 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58050 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 58050 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 58050 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 58050 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 84607 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 84607 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 84607 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 84607 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 84607 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 84607 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 84607 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 20.236 | 18.18408 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 84607 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 91254 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 91254 |  |  |  |  | Representative FICO | 636 | 648 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 91254 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 91254 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 91254 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 68.42 | 49.34166 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 53717 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 53717 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 53717 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 53717 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 53717 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 53717 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 31327 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 31327 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 31327 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 31327 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 31327 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 25550 |  |  |  |  | Original Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 25550 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 25550 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 25550 |  |  |  |  | Representative FICO | 770 | 780 | Verified | Unable to verify due to missing information |
|  | 25550 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 25550 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Unable to verify due to missing information |
|  | 25550 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.784 | 45.50267 | Verified | Unable to verify due to missing information |
|  | 25550 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 12435 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 12435 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 12435 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 12435 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 12435 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 33.626 | 18.9226 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 70252 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 70252 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 70252 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 70252 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 70252 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 70252 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 70252 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 70252 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.09 | Verified | The Field Value matches the DSCR Calculator Ratio. |
|  | 58624 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58624 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58624 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58624 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 58624 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 58624 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 58624 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Field value reflects source document |
|  | 53048 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 53048 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 53048 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 53048 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 53048 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 53048 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 53048 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | Field value reflects source document |
|  | 95952 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 95952 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 95952 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 95952 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 95952 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 95952 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 95952 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 54434 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 41329 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.09 | Verified | $3050 Rent / $2797.84 = 1.09 |
|  | 41213 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 41213 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 41213 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 41213 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 41213 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 41213 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 41213 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.66 | 1.62 | Verified | Field value reflects source document |
|  | 59846 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 59846 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 59846 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 59846 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 59846 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 59846 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 59846 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 22784 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 22784 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 22784 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 22784 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 22784 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 22784 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 68159 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 68159 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 68159 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 68159 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 68159 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 52135 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 52135 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 52135 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 52135 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 52135 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 52135 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 19906 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 19906 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19906 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 19906 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19906 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 19906 |  |  |  |  | Originator Loan Designation |  | N/A | Verified | Field value reflects source document |
|  | 40154 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 40154 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 40154 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 40154 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 40154 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 40154 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.156 | 34.52674 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 40154 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 11391 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 11391 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 11391 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 11391 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 11391 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 11391 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 11391 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 77117 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 77117 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 77117 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 77117 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 77117 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 77117 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 77117 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 77117 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.19 | Verified | Field value reflects source document |
|  | 98754 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 98754 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 98754 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 98754 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 98754 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 98754 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 80313 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 80313 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 80313 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 80313 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 80313 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 80313 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 80313 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.39 | Verified | Field value reflects source document |
|  | 64808 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 64808 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 64808 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 64808 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 64808 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 64808 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 64808 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 64808 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
|  | 66111 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66111 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66111 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66111 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66111 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 66111 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Unable to verify due to missing information |
|  | 66111 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 17.117 | 19.81869 | Verified | Unable to verify due to missing information |
|  | 66111 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 64081 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 64081 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 64081 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 64081 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 64081 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 64081 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 19636 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 19636 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19636 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 19636 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 19636 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 19636 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 19636 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction. |
|  | 19636 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 58678 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 96253 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 96253 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 37157 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 79744 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 66413 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 66413 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 42497 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 29138 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 29138 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 29138 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 29138 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 29138 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 29138 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 29138 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.13 | Verified | Field value reflects source document |
|  | 59623 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 59623 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 59623 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 59623 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 59623 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 59623 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 59623 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 59623 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.72 | Verified | Field value reflects source document |
|  | 66522 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66522 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66522 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66522 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66522 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 66522 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 66522 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 46878 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 46878 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 46878 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 46878 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 46878 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 46878 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 46878 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 46878 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 66637 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66637 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66637 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66637 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66637 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 66637 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93982 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 93982 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 93982 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 93982 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 93982 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 93982 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 93982 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 88906 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 10861 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 56905 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 56905 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 56905 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 56905 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 56905 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 56905 |  |  |  |  | Originator Loan Designation |  | N/A | Verified | Field value reflects source document |
|  | 22654 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 22654 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 22654 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 22654 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 22654 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 22654 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 83489 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 33644 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 33644 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 33644 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 61677 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 70601 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 92795 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 92795 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 92795 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 92795 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 92795 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 57835 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 57835 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 57835 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 57835 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 69855 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 69855 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 69855 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 16918 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 69487 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 68807 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 68807 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 68807 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 68807 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 68807 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 68807 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 78834 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 78834 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 72979 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 72979 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 72979 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 72979 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 72979 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 72979 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.013 | 27.82595 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 72979 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 51812 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.76 | 1.02 | Verified | Field value reflects source document |
|  | 56372 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 56372 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 56372 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 56372 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 56372 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 56372 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.01 | Verified | Field value reflects source document |
|  | 64857 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 86964 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 86964 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 81018 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 26181 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 26181 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 37421 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 86451 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
|  | 34057 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 34057 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 34057 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 34057 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 34057 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 34057 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 34057 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 72238 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 72238 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.60 | Verified | Field value reflects source document |
|  | 60055 |  |  |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 12063 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 12063 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 12063 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 12063 |  |  |  |  | Original CLTV | 14.388 | 16 | Verified | Tape Value reflects the higher of multiple Appraisals in file, Field Value reflects the lowest appraised value |
|  | 12063 |  |  |  |  | Original LTV | 14.388 | 16 | Verified | Tape value reflects the higher of multiple Appraisals in file, Field Value reflects the lowest appraised value |
|  | 81658 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 58600 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58600 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58600 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58600 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 83809 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 83809 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 83809 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 83809 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 83809 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 83809 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 83809 |  |  |  |  | Originator Loan Designation |  | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 46277 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 46277 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 46277 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 46277 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 76085 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 76085 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 76085 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 76085 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 83234 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 83234 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 83234 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 83234 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 65527 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 65527 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 65527 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 65527 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 94309 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79321 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79321 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79321 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 79321 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.36 | 1.37 | Verified | Field value reflects source document |
|  | 64537 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 64537 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 64537 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.91 | 0.92 | Verified | Field value reflects source document |
|  | 64568 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 64568 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 64568 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 80468 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 48728 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 25008 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 88318 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 88318 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 88318 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 88318 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 88318 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 88318 |  |  |  |  | Originator Loan Designation |  | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 20330 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20330 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20330 |  |  |  |  | Representative FICO | 789 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 66519 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 66519 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 66519 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 66519 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 58610 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 58610 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 58610 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 29020 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 29020 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.82 | 0.83 | Verified | Field value reflects source document |
|  | 64896 |  |  |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 75460 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 75460 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 0.96 | Verified | Field value reflects source document |
|  | 20556 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20556 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.80 | Verified | Field value reflects source document |
|  | 65128 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 65128 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.943 | 36.52564 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 10677 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 99578 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.172 | 44.53461 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 30432 |  |  |  |  | Original CLTV | 8000 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 30432 |  |  |  |  | Original LTV | 8000 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 14917 |  |  |  |  | Original CLTV | 6482 | 64.81481 | Verified | Alternate format, not a true discrepancy |
|  | 14917 |  |  |  |  | Original LTV | 6482 | 64.81481 | Verified | Alternate format, not a true discrepancy |
|  | 21400 |  |  |  |  | Original CLTV | 7485 | 74.8503 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 21400 |  |  |  |  | Original LTV | 7485 | 74.8503 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 12493 |  |  |  |  | Original CLTV | 7000 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 12493 |  |  |  |  | Original LTV | 7000 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 26966 |  |  |  |  | Original CLTV | 7770 | 77.69931 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 26966 |  |  |  |  | Original LTV | 7770 | 77.69931 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 79888 |  |  |  |  | Original CLTV | 8493 | 84.93225 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 79888 |  |  |  |  | Original LTV | 8493 | 84.93225 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 21759 |  |  |  |  | Original CLTV | 5204 | 52.04163 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 21759 |  |  |  |  | Original LTV | 5204 | 52.04163 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
|  | 13277 |  |  |  |  | Original CLTV | 6494 | 64.93506 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 13277 |  |  |  |  | Original LTV | 6494 | 64.93506 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 28026 |  |  |  |  | Original CLTV | 8000 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 28026 |  |  |  |  | Original LTV | 8000 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 50651 |  |  |  |  | Original CLTV | 6639 | 66.38655 | Verified | Alternate format, not a true discrepancy |
|  | 50651 |  |  |  |  | Original LTV | 6639 | 66.38655 | Verified | Alternate format, not a true discrepancy |
|  | 86931 |  |  |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 66776 |  |  |  |  | Original CLTV | 8499 | 84.99232 | Verified | Alternate format, not a true discrepancy |
|  | 66776 |  |  |  |  | Original LTV | 8499 | 84.99232 | Verified | Alternate format, not a true discrepancy |
|  | 96393 |  |  |  |  | Original CLTV | 8928 | 89.27856 | Verified | Alternate format, not a true discrepancy |
|  | 96393 |  |  |  |  | Original LTV | 8928 | 89.27856 | Verified | Alternate format, not a true discrepancy |
|  | 81277 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.02 | 42.16758 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 28545 |  |  |  |  | Original CLTV | 7767 | 77.6699 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 28545 |  |  |  |  | Original LTV | 7767 | 77.6699 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 64863 |  |  |  |  | Original CLTV | 8500 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 64863 |  |  |  |  | Original LTV | 8500 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 76026 |  |  |  |  | Original CLTV | 8000 | 80 | Verified | Tape data decimal point is in the incorrect position |
|  | 76026 |  |  |  |  | Original LTV | 8000 | 80 | Verified | Tape data decimal point is in the incorrect position |
|  | 68579 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 68579 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 68579 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.842 | 24.6285 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 51079 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 51079 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 60325 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 60325 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 79843 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 68968 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 68968 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 72432 |  |  |  |  | Investor: Qualifying Total Debt Ratio |  | 32.75584 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 47524 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 47524 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 52229 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 50795 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 18792 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 18792 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 18792 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 18792 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 18792 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 18792 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 18792 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 2.55 | Verified | Field value reflects source document |
|  | 41916 |  |  |  |  | Original Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 41916 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 41916 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 41916 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
|  | 41916 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 41916 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 41916 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 41916 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 41916 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Unable to verify due to missing information |
|  | 36600 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 36600 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 36600 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 36600 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 36600 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 36600 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 36600 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.00 | Verified | Field value reflects source document |
|  | 98840 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 98840 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 98840 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 98840 |  |  |  |  | Representative FICO | 683 | 726 | Verified | Unable to verify due to missing information |
|  | 98840 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 98840 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 98840 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95215 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 95215 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 95215 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 95215 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 95215 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 95215 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 95215 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95215 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.32 | Verified | Unable to verify due to missing information |
|  | 48622 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 48622 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | $2600 Rent / $2486.90 PITIA = 1.05 |
|  | 55095 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 55095 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 55095 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 55095 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 55095 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 55095 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 55095 |  |  |  |  | Subject Debt Service Coverage Ratio |  | 0.99 | Verified | Field value reflects source document |
|  | 47155 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47155 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 47155 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47155 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47155 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47155 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 47155 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.29 | Verified | Field value reflects source document |
|  | 61124 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 61124 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 61124 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 61124 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 61124 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
|  | 61124 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 61124 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 61124 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.82 | Verified | Field value reflects source document |
|  | 40343 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 40343 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 40343 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 40343 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 40343 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 40343 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 40343 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 40343 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 53009 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 88261 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 88261 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 88261 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 88261 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 88261 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 88261 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 88261 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.87 | 0.88 | Verified | Field value reflects source document |
|  | 39623 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 39623 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 39623 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 39623 |  |  |  |  | Interest Only Period |  | 120 | Verified | Unable to verify due to missing information |
|  | 39623 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 39623 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Alternate format, not a true discrepancy |
|  | 39623 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 68898 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 68898 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 68898 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 68898 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 68898 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 68898 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 65685 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 65685 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 65685 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 65685 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 65685 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 65685 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 65685 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 77482 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 77482 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 77482 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 77482 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 77482 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 77482 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 77482 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28839 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28839 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28839 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28839 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 28839 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.985 | 47.70707 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 28839 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 97567 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 97567 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 97567 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 97567 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 97567 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 97567 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 97567 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 47428 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47428 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 47428 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47428 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47428 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47428 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 47428 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 47428 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 55988 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 55988 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 55988 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 55988 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 55988 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 55988 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 68094 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 68094 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 68094 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 68094 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 68094 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 68094 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 68094 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 21.474 | 37.36729 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 68094 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95067 |  |  |  |  | Representative FICO | 765 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 95067 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 95067 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 43971 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 43971 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 39337 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 67293 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 67293 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 67293 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 67293 |  |  |  |  | Representative FICO | 717 | 758 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 67293 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 67293 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 67293 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 67293 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 34604 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 34604 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 34604 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 34604 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 34604 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 34604 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 34604 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 69638 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 69638 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.02 | 39.11444 | Verified | Unable to verify due to missing information |
|  | 22129 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 22129 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 22129 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 22129 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 22129 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 22129 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 22129 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93836 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 58768 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58768 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58768 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58768 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 58768 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 58768 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 58768 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 32750 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 32750 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 32750 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 32750 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 32750 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 32750 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 86352 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 86352 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 86352 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 86352 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 86352 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 86352 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 86352 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 86352 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.12 | Verified | Field value reflects source document |
|  | 19091 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 93634 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 92448 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 92448 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 92448 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 92448 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 92448 |  |  |  |  | First Interest Rate Change Date |  | 2032-10-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 92448 |  |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 92448 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 92448 |  |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 92448 |  |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 92448 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 92448 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 36878 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 36878 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 36878 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 36878 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 36878 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 36878 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 86696 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 86696 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 86696 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 86696 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 86696 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 86696 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 86696 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 49322 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 12517 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 12517 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 12517 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 12517 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 12517 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 12517 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 43347 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 43347 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 43347 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 43347 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 43347 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 43347 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 40185 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 40185 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 40185 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 40185 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 40185 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 40185 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 40185 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 62103 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 62103 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 62103 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 62103 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 62103 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 62103 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 62103 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 30242 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 64573 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 73516 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 41264 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Unable to verify due to missing information |
|  | 95788 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 42450 |  |  |  |  | Representative FICO | 713 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 42450 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 62440 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 18745 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 18745 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 18745 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 18745 |  |  |  |  | Representative FICO | 707 | 762 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 18745 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 18745 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 18745 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 18745 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 16175 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 16175 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 16175 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 16175 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 16175 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 16175 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 90401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 90401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 90401 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 90401 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 90401 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 23907 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 23907 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 23907 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 23907 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 23907 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 23907 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 23907 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 18971 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 18971 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 18971 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 18971 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 18971 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 18971 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 97140 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 98738 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 98738 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 98738 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 98738 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 98738 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 98738 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.649 | 33.98537 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 98738 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 18879 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 18879 |  |  |  |  | Original CLTV | 69.162 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 18879 |  |  |  |  | Original LTV | 69.162 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 18879 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 18879 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.146 | 36.53971 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 77062 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 12026 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 12026 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 12026 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 12026 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 12026 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 12026 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 12026 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 48009 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 48009 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 48009 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 48009 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 48009 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 48009 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 48009 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 48009 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 26159 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.362 | 40.24715 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 69790 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 69790 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 69790 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 69790 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 69790 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 69790 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 50.108 | 42.62311 | Verified | Within tolerance of DTI on approval. |
|  | 69790 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 91624 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 91624 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 91624 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 91624 |  |  |  |  | Representative FICO | 797 | 799 |  |  |
|  | 91624 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 91624 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 91624 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 58932 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 58932 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 58932 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 58932 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 58932 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 58932 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 58932 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 54136 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 54136 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 54136 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 54136 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 54136 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 54136 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 54136 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 28279 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 28279 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 28279 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 28279 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 28279 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 28279 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 28279 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 86852 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 86852 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 86852 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 86852 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 86852 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 86852 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 40132 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 40132 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 40132 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 40132 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 40132 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 40132 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 83212 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 17474 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 17474 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 17474 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.76 | 0.77 | Verified | $3700 Rent / $4793.17 PITIA = 0.77 |
|  | 36267 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 36267 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 36267 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 36267 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 36267 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 36267 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 17146 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 17146 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 17146 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 17146 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 17146 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 17146 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 42984 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 42984 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 42984 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 42984 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 42984 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 42984 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 42984 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 42984 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.28 | Verified | Field value reflects source document |
|  | 34926 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 34926 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 34926 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 34926 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 34926 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 34926 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 34926 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Field value reflects source document |
|  | 82409 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 82409 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 82409 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 82409 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 82409 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 81083 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47808 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 47808 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 47808 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 47808 |  |  |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 47808 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 47808 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 47808 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63729 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 84760 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 84760 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 84760 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 84760 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 84760 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 84760 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 84760 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 30771 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.55 | 1.56 | Verified | Field value reflects source document |
|  | 91677 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 30345 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 30345 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 30345 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 30345 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 30345 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 30345 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 30345 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 72748 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 72748 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 72748 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 72748 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 72748 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 72748 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 72748 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.28 | Verified | Field value reflects source document |
|  | 74225 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 74225 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 74225 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 74225 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 74225 |  |  |  |  | First Interest Rate Change Date |  | 2030-12-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 74225 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 74225 |  |  |  |  | Interest Rate Initial Cap | 1 | 2 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 74225 |  |  |  |  | Interest Rate Life Floor | 1 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 74225 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 74225 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.40 | Verified | Field value reflects source document |
|  | 70323 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 70323 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 70323 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 70323 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 70323 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 70323 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 97343 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 42891 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 58326 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 58326 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 17691 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 17691 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 17691 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 17691 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 17691 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 17691 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 17691 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.31 | Verified | Field value reflects source document |
|  | 90203 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Unable to verify due to missing information |
|  | 90203 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.11 | 1.97 | Verified | Unable to verify due to missing information |
|  | 67649 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 67649 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 67649 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 67649 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 67649 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 67649 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 67649 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.81 | Verified | Field value reflects source document |
|  | 15933 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 93482 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 93482 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 93482 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 93482 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 93482 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93482 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.40 | Verified | Field value reflects source document |
|  | 10719 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 10719 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 10719 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 10719 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 10719 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 10719 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 10719 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 10719 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.06 | Verified | Field value reflects source document |
|  | 52271 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 52271 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.26 | Verified | Field value reflects source document |
|  | 68244 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 76761 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 76761 |  |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 76761 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.23 | Verified | Field value reflects source document |
|  | 70358 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 70358 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 70358 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 70358 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 70358 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 70358 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 66549 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 66549 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 66549 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 66549 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 66549 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 66549 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 11467 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 11467 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 11467 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 11467 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 11467 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 11467 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 11467 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.00 |  |  |
|  | 80193 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 80193 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 80193 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 80193 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 80193 |  |  |  |  | Representative FICO | 760 | 659 | Verified | Unable to verify due to missing information |
|  | 80193 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 80193 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 80193 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 80193 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 26608 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 26608 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 26608 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 26608 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 26608 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 26608 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 14589 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 14589 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 14589 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 14994 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 74910 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 15536 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 15536 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 15536 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 15536 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 62831 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 62831 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 62831 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 62831 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 62831 |  |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 62831 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 62831 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 26506 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 26506 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 26506 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 26506 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 26506 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 60430 |  |  |  |  | Amortization Type |  | Fixed | Verified | Bid Tape Field Value not provided |
|  | 60430 |  |  |  |  | Lien Position |  | 1 | Verified | Bid Tape Field Value not provided |
|  | 34406 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 34406 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 34406 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 34406 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 34406 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 34406 |  |  |  |  | Originator Loan Designation |  | N/A | Verified | Unable to verify due to missing information |
|  | 34406 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.717 | 35.65886 | Verified | 2 additional REO's were purchased the same time as this transaction and lender asked to have them added to the DTI. |
|  | 24604 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 24604 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.717 | 35.65887 | Verified | 2 additional REO's were purchased the same time as this transaction and lender asked to have them added to the DTI. |
|  | 34847 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 34847 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 8.058 | 13.00112 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 89621 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 98478 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 19268 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 19268 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 19268 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 19268 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 19268 |  |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 19268 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 19268 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 81514 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 81514 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 81514 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 81514 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 81514 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 10993 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 24851 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 13097 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 13097 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 13097 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 13097 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 13097 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 13097 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 13097 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 76573 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 70185 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 70185 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 70185 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 70185 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 70185 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 70185 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 66438 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 93167 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 83661 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 45852 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 45852 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 45852 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 45852 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 45852 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 45852 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 45852 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 90994 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90994 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90994 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 90994 |  |  |  |  | Representative FICO | 715 | 742 |  |  |
|  | 90994 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Approval/AUS |
|  | 90994 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Unable to verify due to missing information |
|  | 90994 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 36.952 | 38.98433 | Verified | Unable to verify due to missing information |
|  | 90994 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 90419 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90419 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90419 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 90419 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 90419 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 90419 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 29520 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 29520 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 29520 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 29520 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 29520 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 29520 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.299 | 28.23633 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 29520 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 42379 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 42379 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 42379 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 42379 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 42379 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 42379 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 42379 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 83486 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 83486 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 83486 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 83486 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 83486 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 83486 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 83486 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 93060 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 93060 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 93060 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 93060 |  |  |  |  | Representative FICO | 758 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 93060 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 93060 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 93060 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 15505 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 15505 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 15505 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 15505 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 15505 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 15505 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 46664 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 46664 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 46664 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 46664 |  |  |  |  | Representative FICO | 789 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 46664 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 46664 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 46664 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 57796 |  |  |  |  | Representative FICO | 792 | 823 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 57796 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 15407 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 88041 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 88041 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 88041 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 88041 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 88041 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 88041 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 88041 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 88041 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.09 | Verified | Field value reflects source document |
|  | 12983 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 12983 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 12983 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 12983 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 12983 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 12983 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 12983 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.89 | 0.90 | Verified | Field value reflects source document |
|  | 15069 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 15069 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 15069 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 15069 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 15069 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 15069 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 15069 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 15069 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 2.43 | Verified | Field value reflects source document |
|  | 90308 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90308 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90308 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 90308 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 90308 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 91685 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 91685 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 91685 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 91685 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 91685 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 91685 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95344 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 95344 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 95344 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 95344 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 95344 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 95344 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 95344 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 95344 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95344 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.01 | Verified | Field value reflects source document |
|  | 78793 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 78793 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 78793 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 78793 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 78793 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 78793 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 78793 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 2.76 | Verified | Field value reflects source document |
|  | 71948 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 71948 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 71948 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 71948 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 71948 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 71948 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 71948 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.95 | 0.87 | Verified | Field value reflects source document |
|  | 90972 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 90972 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 90972 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 90972 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 90972 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 90972 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 23458 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 23458 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 23458 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 23458 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 23458 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 23458 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 23458 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 35298 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 35298 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 35298 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 35298 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 35298 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 35298 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 35298 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
|  | 22645 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 22645 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 22645 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 22645 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 22645 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 36854 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.46 | 1.95 | Verified | Field value reflects source document |
|  | 56520 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 38263 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 38263 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 38263 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 38263 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 38263 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 38263 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 38263 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 58064 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 72890 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 72890 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 72890 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 72890 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 72890 |  |  |  |  | Originator Loan Designation | N/A | Higher Priced QM (APOR) | Verified | Field value reflects source document |
|  | 72890 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63384 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 63384 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 63384 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 63384 |  |  |  |  | Original CLTV | 41.482 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 63384 |  |  |  |  | Original LTV | 41.482 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 63384 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 63384 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.39 | Verified | Field value reflects source document |
|  | 95637 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 95637 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 95637 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 95637 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 95637 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 95637 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 95637 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.15 | Verified | Field value reflects source document |
|  | 14989 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 14989 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 14989 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 14989 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 14989 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 14989 |  |  |  |  | Guideline Name | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 54398 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.14 | Verified | Field value reflects source document |

---

## Exhibit 99.7

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**NARRATIVE**

**GCAT 2026-NQM1**

**By Canopy Financial Technology Partners LLC on February 04, 2026**

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

![](ex997001.jpg)

**Description of Services**

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

The Review consisted of a population of two (2) loans with an aggregate principal balance of $1,497,400.

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

---

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

**Credit Underwriting**

![](ex997001.jpg)

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

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

![](ex997001.jpg)

● 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

![](ex997001.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:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

![](ex997001.jpg)

● 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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

● 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.

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● 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.

● 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).

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● 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.

&nbsp;&nbsp;&nbsp;&nbsp;**GRADING COMPONENTS**

&nbsp;&nbsp;&nbsp;&nbsp;**Due Diligence Grading Criteria**

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

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

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

---

---

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

---

---

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

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (2 loans) has an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (2) mortgage loans reviewed and 0.00% (0 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (2) 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%, (2) mortgage loans reviewed and 0.00% (0 loans) have a Property/Valuation grade of "B".

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

![](ex997001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**FINDINGS TABLE**

**REVIEW TABLES** 

---

| | | |
|:---|:---|:---|
| &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;2 | &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;**2** | &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;2 | &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;**2** | &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;2 | &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;**2** | &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;2 | &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;**2** | &nbsp;&nbsp;**100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;**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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1497400.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1497400.00** |

---

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

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1497400.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1497400.00** |
| &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 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;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$500000.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$997400.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1497400.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1497400.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1497400.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1497400.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1497400.00** |

---

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

![](ex997001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**DATA COMPARISON RESULTS**

Of the two (2) mortgage loan files reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across zero (0) data fields.

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.8

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 37764 | xxx | xxx B A | Closed | FCRE1182 | 2025-11-14 10:26 | 2025-11-17 14:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. 1008 attached - Seller-11/17/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. 1008 attached - Seller-11/17/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15352 | xxx | xxx D A | Closed | FCOM4028 | 2025-11-18 16:29 | 2025-11-20 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing evidence of Mortgage recording TPR reviewed file and page #1 for the Deed/Mortgage is missing from file - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 165.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |

---

## Exhibit 99.9

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 37764 | xxx | xxx | xxx B A |
| 15352 | xxx | xxx | xxx A D |

---

## Exhibit 99.10

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 37764 | xxx | xxx | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 58.89 | 58.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15352 | xxx | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |

---

## Exhibit 99.11

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 37764 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 15352 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.12

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |

---

## Exhibit 99.13

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 |
| **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** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 37764 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | 103.5 | No | 58.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15352 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 1.065 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 165.76 | xxx | 165.76 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.14

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.14**

![](ex9914001.jpg)

**EXECUTIVE SUMMARY**

**GCAT 2026-NQM1**

**By Clarifii LLC on February 05, 2026**

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| **Christine Aug** | **Jason Luttenberger** |
| &nbsp;&nbsp;Vice President of Due Diligence | &nbsp;&nbsp;President & COO |
| &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 1 loan (the "Loan") and this loan was subsequently acquired by Blue River Mortgage V LLC (the "Client") for the GCAT 2026-NQM1 transaction. The loan referenced in this narrative report was reviewed during 11/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channel for the loan in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00** |

---

The Review consisted of a population of 1 Loan, with an aggregate principal balance of $1,156,000.00

**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 Loan to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating U.S. RMBS Using the MILAN Framework dated July 18, 2024 |

---

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 2

![](ex9914001.jpg)

**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 Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |

---

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 3

![](ex9914001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 4

![](ex9914001.jpg)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 5

![](ex9914001.jpg)

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

The loan was 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.

● **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.

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **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)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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– 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.

● **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)

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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Clarifii reviewed the loan to determine it's 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 loan constitutes 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.

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

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

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

The two tables below summarize that the loan contained an independent third-party valuation product or an acceptable UCDP Risk Score:

---

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

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |
| &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. |

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. |
| &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 missing, 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. |

---

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**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;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &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;1 | &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;**1** | &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;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 16

![](ex9914001.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;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00**  |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1156000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1156000.00** |

---

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 17

![](ex9914001.jpg)

**DATA COMPARE RESULTS**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &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;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 18

![](ex9914001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 19

![](ex9914001.jpg)

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

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

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

GCAT 2026-NQM1 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.15

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | 16125 | 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 | 13289.4 | 8.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 24046.39 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.16

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 16125 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 10.33 | 5 | Per 1003 |
| XXXX | 16125 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 39073.67 | Per 1003 |
| XXXX | 16125 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Unknown | Per Appraisal. |

---

## Exhibit 99.17

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 16125 | XXXX C A | Closed | finding-3352 | 2025-11-18 10:52 | 2026-01-23 13:47 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/23/2026 |  | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 741 Required is 720 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.46 Required is 50 Borrower has 38.46 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase NA | N/A | N/A | 6289306 |
| XXXX | 16125 | XXXX C A | Closed | FCOM3605 | 2025-11-18 11:48 | 2025-11-20 17:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Initial CD. Finding resolved. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. The processor protected the Locked LE in the CD folder by mistake, so the CD did not make into the closing package for review. The error has been corrected. The signed CD is attached. - Seller-11/20/2025 <br> Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. The processor protected the Locked LE in the CD folder by mistake, so the CD did not make into the closing package for review. The error has been corrected. The signed CD is attached. - Seller-11/20/2025<br>| Resolved-Received Initial CD. Finding resolved. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 741 Required is 720 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.46 Required is 50 Borrower has 38.46 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase NA | N/A | N/A | 6290292 |
| XXXX | 16125 | XXXX C A | Closed | FCRE1206 | 2025-11-18 15:22 | 2025-11-20 16:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated data verify received, - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Vested NB added to attached XXXX report as NBS (only category available that makes sense) - Seller-11/20/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists NB title holder XXXX to be added. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Vested NB added to attached XXXX report as NBS (only category available that makes sense) - Seller-11/20/2025 | Resolved-Updated data verify received, - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 741 Required is 720 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.46 Required is 50 Borrower has 38.46 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase NA | N/A | N/A | 6294306 |

---

## Exhibit 99.18

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.18**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 16125 | XXXX | XXXX C A |

---

## Exhibit 99.19

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 16125 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |

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## Exhibit 99.20

[GCAT DEPOSITOR V LLC ABS-15G](gcatnqm1-abs15g.htm)

**Exhibit 99.20**

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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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 16125 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/28/2025 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 13289.4 | 10/20/2025 | 6.240% |  |  | No | 8.049% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3798.00 | $316.50 | $0.00 | $0.00 | $0.00 | XXXX | $24046.39 | N/A |  |  | $0.00 |  |  | 0.00% | 38.46% | 38.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/05/2025 | 09/05/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 73977.89 | 7.4 | 73977.89 | 7.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

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