# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001104659-26-056868
**Filing Date:** 2026-5
**Character Count:** 3165841
**Document Hash:** 8eb11b7efe8eae3c3c29487df5125819
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-056868.hdr.sgml**: 20260507

**ACCESSION NUMBER**: 0001104659-26-056868

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

**PUBLIC DOCUMENT COUNT**: 47

**CONFORMED PERIOD OF REPORT**: 20260507

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

**FILED AS OF DATE**: 20260507

**DATE AS OF CHANGE**: 20260507

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 26951796

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001889966</u> 

Barclays Mortgage Loan Trust 2026-NQM5

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

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

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

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: May 7, 2026 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](tm2613835d1_ex99-1.htm)

[Schedule 1 – Data Compare Report](tm2613835d1_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](tm2613835d1_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades](tm2613835d1_ex99-1sch3.htm)

[Schedule 4 – Supplemental Data](tm2613835d1_ex99-1sch4.htm)

[Schedule 5 – Valuation Report](tm2613835d1_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](tm2613835d1_ex99-2.htm)

[Schedule 1 – Data Compare Report](tm2613835d1_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](tm2613835d1_ex99-2sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](tm2613835d1_ex99-2sch3.htm)

[Schedule 4 – Supplemental Report](tm2613835d1_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](tm2613835d1_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clayton Narrative](tm2613835d1_ex99-3.htm)

[Schedule 1 – Conditions Detail](tm2613835d1_ex99-3sch1.htm)

[Schedule 2 – Loan Grades](tm2613835d1_ex99-3sch2.htm)

[Schedule 3 – Loan Level Tape Compare](tm2613835d1_ex99-3sch3.htm)

[Schedule 4 – Non ATR QM](tm2613835d1_ex99-3sch4.htm)

[Schedule 5 – Rating Agency ATR QM](tm2613835d1_ex99-3sch5.htm)

[Schedule 6 – Standard Upload](tm2613835d1_ex99-3sch6.htm)

[Schedule 7 – Valuations Summary](tm2613835d1_ex99-3sch7.htm)

[Schedule 8 – Waived Conditions](tm2613835d1_ex99-3sch8.htm)

[99.4 - Third Party Due Diligence Report – Evolve Narrative](tm2613835d1_ex99-4.htm)

[Schedule 1 – Data Compare Report](tm2613835d1_ex99-4sch1.htm)

[Schedule 2 – Exception Detail](tm2613835d1_ex99-4sch2.htm)

[Schedule 3 – QM ATR Data](tm2613835d1_ex99-4sch3.htm)

[Schedule 4 – RA Grades](tm2613835d1_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](tm2613835d1_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Mortgage Connect Narrative](tm2613835d1_ex99-5.htm)

[Schedule 1 – ATR OR QM Report](tm2613835d1_ex99-5sch1.htm)

[Schedule 2 – Data Compare Report](tm2613835d1_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Detail Report](tm2613835d1_ex99-5sch3.htm)

[Schedule 4 – Rating Agency Grades Summary Report](tm2613835d1_ex99-5sch4.htm)

[Schedule 5 – Supplemental Data Extract](tm2613835d1_ex99-5sch5.htm)

[Schedule 6 – Valuation Report](tm2613835d1_ex99-5sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](tm2613835d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from November 2018 through February 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (342 loans), and Business Purpose Scope (213 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 555 mortgage loans.

The final population of the Review covered 555 mortgage loans totaling an aggregate original principal balance of approximately $254.775 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

**(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 in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original Loan Amount |  |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original LTV |  |

---

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

1 \| Page

![](tm2613835d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

2 \| Page

![](tm2613835d1_ex99-1img001.jpg)

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

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

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

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

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client.

For this review, procedures followed included:

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

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

3 \| Page

![](tm2613835d1_ex99-1img001.jpg)

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

▪ Reviewing and calculating that the DSCR and/or Property DTI conforms with
applicable guidelines.

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business<br> – Purpose Letter of Intent (LOI) /<br> 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\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &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 |  |

---

**DATA COLLECTION**

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

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

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

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to the 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 nonconforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

4 \| Page

![](tm2613835d1_ex99-1img001.jpg)

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to recalculated 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;&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were five hundred fifty-five (555) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P Global Ratings NRSRO grading criteria three hundred thirty-nine (339) loans (61.08%) had an Overall grade of "A", and two hundred sixteen (216) loans (38.92%) had an Overall grade of "B. No loans had an Overall grade less than "B".

---

| | | |
|:---|:---|:---|
| **S&P Global Ratings Overall Loan Grades** | **S&P Global Ratings Overall Loan Grades** | **S&P Global Ratings Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 339 | 61.08% |
| B | 216 | 38.92% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **555** | **100.00%** |

---

12 \| Page

![](tm2613835d1_ex99-1img001.jpg)

**CREDIT RESULTS SUMMARY**

Four hundred thirty-eight (438) loans (78.92%) reviewed received an "A" Credit grade, and one hundred seventeen (117) loans (21.08%) received a "B" Credit grade. No loans had a Credit grade less than "B".

---

| | | |
|:---|:---|:---|
| **S&P Global Ratings Credit Loan Grades** | **S&P Global Ratings Credit Loan Grades** | **S&P Global Ratings Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% f Loans** |
| A | 438 | 78.92% |
| B | 117 | 21.08% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **555** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Two hundred thirteen (213) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable S&P Global Ratings NRSRO grading criteria two hundred thirty (230) loans (67.25%) had a Compliance grade of "A", one hundred twelve (112) loans (32.75%) had a Compliance grade of "B, and two hundred thirteen (213) loans did not test and received a Compliance grade of "N/A".

---

| | | |
|:---|:---|:---|
| **S&P Global Ratings Compliance Loan Grades** | **S&P Global Ratings Compliance Loan Grades** | **S&P Global Ratings Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 230 | 67.25% |
| B | 112 | 32.75% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **342** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were five hundred fifty-five (555) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P Global Ratings NRSRO grading criteria five hundred twenty-four (524) loans (94.41%) received an "A" Property grade, and thirty-one loans (5.59%) received a "B" Property grade. No loans had a Property grade lower than "B".

---

| | | |
|:---|:---|:---|
| **S&P Global Ratings Property Loan Grades** | **S&P Global Ratings Property Loan Grades** | **S&P Global Ratings Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 524 | 94.41% |
| B | 31 | 5.59% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 0 | 0.00% |
| **Total** | **555** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred fifty-five (555) Loans reviewed, two hundred seventy-three (273) unique Loans had three hundred twenty-seven (327) different tape discrepancies across fifteen (15) data fields (some Loans had more than one data delta). The most variances were found on Contract Sales Price, Borrower Last Name and LTV Valuation Value.

13 \| Page

![](tm2613835d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of<br> Loans** |
| &nbsp;&nbsp;Amortization Term | 8 | 554 | 1.44% | 555 |
| &nbsp;&nbsp;Amortization Type | 2 | 554 | 0.36% | 555 |
| &nbsp;&nbsp;Borrower First Name | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Borrower Last Name | 46 | 254 | 18.11% | 555 |
| &nbsp;&nbsp;City | 2 | 555 | 0.36% | 555 |
| &nbsp;&nbsp;Contract Sales Price | 226 | 555 | 40.72% | 555 |
| &nbsp;&nbsp;Doc Type | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;First Interest Rate Change Date | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;First Payment Date | 0 | 552 | 0.00% | 555 |
| &nbsp;&nbsp;Index Type | 0 | 2 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Only Period | 0 | 6 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Change Frequency | 0 | 3 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Initial Cap | 0 | 3 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Initial Floor | 0 | 2 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Life Cap | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Life Floor | 1 | 2 | 50.00% | 555 |
| &nbsp;&nbsp;Interest Rate Life Max | 0 | 3 | 0.00% | 555 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Lien Position | 0 | 554 | 0.00% | 555 |
| &nbsp;&nbsp;LTV Valuation Value | 11 | 555 | 1.98% | 555 |
| &nbsp;&nbsp;Margin | 0 | 3 | 0.00% | 555 |
| &nbsp;&nbsp;Maturity Date | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;Note Date | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;Occupancy | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Original CLTV | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Original Interest Rate | 1 | 555 | 0.18% | 555 |
| &nbsp;&nbsp;Original Interest Rate Period | 0 | 2 | 0.00% | 555 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;Original LTV | 1 | 555 | 0.18% | 555 |
| &nbsp;&nbsp;Original P&I | 1 | 555 | 0.18% | 555 |
| &nbsp;&nbsp;Original Term | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;Originator Application Date | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Originator Loan Designation | 10 | 340 | 2.94% | 555 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | 1 | 1 | 100.00% | 555 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 0 | 13 | 0.00% | 555 |
| &nbsp;&nbsp;Property Type | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;Purpose | 4 | 555 | 0.72% | 555 |
| &nbsp;&nbsp;Refi Purpose | 6 | 324 | 1.85% | 555 |
| &nbsp;&nbsp;Representative FICO | 7 | 555 | 1.26% | 555 |
| &nbsp;&nbsp;State | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;Street | 0 | 1 | 0.00% | 555 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Zip | 0 | 555 | 0.00% | 555 |
| &nbsp;&nbsp;**Total** | **327** | **10953** | **2.99%** | **555** |

---

14 \| Page

![](tm2613835d1_ex99-1img001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | 546 | 98.38% | $252162462.00 | 98.97% |
| &nbsp;&nbsp;Adjustable | 9 | 1.62% | $2612260.00 | 1.03% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | 555 | 100.00% | $254774722.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | 8 | 1.44% | $2976800.00 | 1.17% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 3 | 0.54% | $571100.00 | 0.22% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 251 | 45.23% | $91425067.00 | 35.88% |
| &nbsp;&nbsp;First Time Home Purchase | 75 | 13.51% | $40227005.00 | 15.79% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | 154 | 27.75% | $76938596.00 | 30.20% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 64 | 11.53% | $42636154.00 | 16.73% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | 521 | 93.87% | $242016247.00 | 94.99% |
| &nbsp;&nbsp;361+ Months | 34 | 6.13% | $12758475.00 | 5.01% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | 344 | 61.98% | $164596753.00 | 64.60% |
| &nbsp;&nbsp;Condo, Low Rise | 21 | 3.78% | $10900275.00 | 4.28% |
| &nbsp;&nbsp;Condo, High Rise | 10 | 1.80% | $4707450.00 | 1.85% |
| &nbsp;&nbsp;PUD | 106 | 19.10% | $41336470.00 | 16.22% |
| &nbsp;&nbsp;1 Family Attached | 8 | 1.44% | $2724550.00 | 1.07% |
| &nbsp;&nbsp;2 Family | 53 | 9.55% | $24832675.00 | 9.75% |
| &nbsp;&nbsp;3 Family | 6 | 1.08% | $3169149.00 | 1.24% |
| &nbsp;&nbsp;4 Family | 5 | 0.90% | $1577400.00 | 0.62% |
| &nbsp;&nbsp;Other | 2 | 0.36% | $930000.00 | 0.37% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

15 \| Page

![](tm2613835d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | 315 | 56.76% | $173335583.00 | 68.03% |
| &nbsp;&nbsp;Investment | 228 | 41.08% | $73634689.00 | 28.90% |
| &nbsp;&nbsp;Second Home | 12 | 2.16% | $7804450.00 | 3.06% |
| &nbsp;&nbsp;**Total** | **555** | **100.00%** | **$254774722.00** | **100.00%** |

---

16 \| Page

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

![](tm2613835d1_situsamcimg01.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 4/28/2026 3:37:16 PM** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 3 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| (redacted) | 3 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 3 (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| (redacted) | 4 (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | There are two different reasons given for Cash-Out. |
| (redacted) | 5 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 6 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 7 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 8 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| (redacted) | 8 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Transaction is a refinance |
| (redacted) | 9 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 12 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 13 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 14 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 14 (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| (redacted) | 15 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 15 (redacted) |  |  | Other Financing Junior Total Original Loan Amount | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 18 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 20 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 21 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 25 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 27 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | refinance transaction |
| (redacted) | 29 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 32 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 33 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 35 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 42 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 43 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 44 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 45 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 47 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 48 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 49 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 52 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 53 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 54 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 59 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 60 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 61 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 62 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 66 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 85 (redacted) |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| (redacted) | 86 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 93 (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Paying off mortgages and other debts. |
| (redacted) | 96 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 97 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 98 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Note reflects an IO term. |
| (redacted) | 98 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 115 (redacted) |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Waterfall due to APOR has exceeded the threshold of $9.6700% to $10.26478% |
| (redacted) | 123 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 124 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 125 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 128 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 128 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 130 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 131 (redacted) |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| (redacted) | 132 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 135 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 136 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 138 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 139 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 143 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 145 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 146 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 151 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 152 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 153 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 156 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 158 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 159 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 160 (redacted) |  |  | Purpose |  | Refinance | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 160 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 160 (redacted) |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 162 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 163 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 164 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 174 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 175 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 175 (redacted) |  |  | Interest Rate Life Floor | 9.749 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 176 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | No Margin |
| (redacted) | 177 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 180 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 181 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 182 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 187 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 188 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 189 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 190 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 193 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 194 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 196 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 197 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 200 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 202 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 209 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 210 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 211 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 216 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 216 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 217 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 221 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 222 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 225 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 226 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 227 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 230 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 231 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 236 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 242 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Borrowers earn equal income and score is higher credit score per guidelines. |
| (redacted) | 242 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 244 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 245 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 246 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 249 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 250 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 251 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Borrowers earn equal income and score is the higher credit score as primary wage earner per guidelines. |
| (redacted) | 252 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 255 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 255 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 261 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 263 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 264 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 265 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 267 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 268 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 269 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 274 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 275 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 276 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 276 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| (redacted) | 277 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| (redacted) | 278 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 279 (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| (redacted) | 280 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 281 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 282 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 284 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 286 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 286 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 287 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 289 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 291 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 293 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 294 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 297 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 300 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 300 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 304 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | same income amount. Highest FICO selected |
| (redacted) | 306 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 309 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 311 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan was a refinance. |
| (redacted) | 313 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 314 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 316 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 319 (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 320 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 321 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 322 (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 322 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 323 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 325 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 328 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 331 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 333 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 334 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 335 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 336 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 338 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 340 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 341 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 342 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 343 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 344 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 346 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance Transaction. |
| (redacted) | 348 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinanced. |
| (redacted) | 349 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 349 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| (redacted) | 350 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 351 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 351 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance Transaction. |
| (redacted) | 353 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 358 (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 358 (redacted) |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| (redacted) | 364 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 364 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 376 (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 377 (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 385 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 387 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 394 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 395 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 397 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 397 (redacted) |  |  | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 398 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 399 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 400 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 402 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 402 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 402 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 403 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 404 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 405 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 406 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 407 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 407 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 408 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 408 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 409 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 409 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 411 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 412 (redacted) |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 412 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 414 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 415 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 417 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 420 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 422 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Appraisal |
| (redacted) | 425 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 426 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 428 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 429 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 430 (redacted) |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 430 (redacted) |  |  | Original P&I | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 430 (redacted) |  |  | Purpose |  | Purchase | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 430 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 430 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 431 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 432 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 433 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 433 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 436 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 438 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 439 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 440 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 442 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 444 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 445 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 446 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 447 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 450 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 454 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 455 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 456 (redacted) |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| (redacted) | 456 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 458 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 460 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 461 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 461 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 462 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 463 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 464 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 465 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 466 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a refinance. |
| (redacted) | 467 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 468 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 469 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 470 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 470 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 471 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 472 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 473 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 474 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 475 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 476 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 476 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 476 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 477 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 481 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 482 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 483 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 484 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 484 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a refinance. |
| (redacted) | 485 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 486 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 489 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 489 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 490 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 491 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 492 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 492 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 493 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 494 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 495 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 497 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 498 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 498 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 498 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | This is due to the Purchase being less than 12 months prior. However, the Guides require 6 months from the purchase. |
| (redacted) | 501 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 505 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 506 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 507 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 509 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 510 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 510 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is listed because this was a Delayed financed property that was purchased within the last 6 months. |
| (redacted) | 511 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Because the subject property has been listed within the past 6 months. The value during time of listing must be used on a cash-out Refinance. |
| (redacted) | 511 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | The $[redacted] is the appraised value. However, because the subject property has been listed within the past 6 months. The value during time of listing must be used on a cash-out Refinance. |
| (redacted) | 515 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 515 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 516 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 519 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 521 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 522 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 522 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 525 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 526 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 526 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 532 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 533 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 534 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 536 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 536 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 537 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 538 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 538 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 538 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 539 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 540 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 541 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 541 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 543 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 546 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 547 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 548 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 548 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 550 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 551 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 551 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 555 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

![](tm2613835d1_situsamcimg01.jpg)

**Exception Grades**

**Run Date - 4/28/2026 3:40:14 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer 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** |
| (redacted) | 1 (redacted) |  | 22576437 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of [redacted]% exceeded the guideline maximum of [redacted]%. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the DTI exceeding the guideline max |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576438 |  | 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 (2019-01-03): Lender provided the final title policy. This issue is cleared. | 01/03/2019 |  |  | 1 A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576439 |  | Compliance | Compliance | Federal Compliance | TRID | RESPA Homeownership Counseling List Timing | RESPA Disclosure Rule [redacted]: List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. | The file was missing a copy of the List of Homeownership Counseling Organizations provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-21): Lender provided a post-close CD correcting the Contact Information section. |  | 12/21/2018 |  | 2 B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 1 (redacted) |  | 22576440 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating[redacted] Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted]) | Cure of $[redacted] for Collateral Desktop Analysis Fee was not provided. |  |  |  | Reviewer Comment (2019-01-16): Letter of Explanation & Corrected Closing Disclosure provided<br>Buyer Comment (2019-01-15): PCCD, LOE, CURE CHECK AND TRACKING UPLOADED. |  | 01/16/2019 |  | 2 B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 1 (redacted) |  | 22576442 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within [redacted] business days of application. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-21): Cure provided on the final CD |  | 12/21/2018 |  | 2 C B |  | NV | 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 |
| (redacted) | 1 (redacted) |  | 22576443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted]) | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consis[redacted]t with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows $-[redacted]-. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2019-01-16): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br>Buyer Comment (2019-01-15): PCCD, LOE, CURE CHECK AND TRACKING UPLOADED. |  | 01/16/2019 |  | 2 C B |  | NV | 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 |
| (redacted) | 1 (redacted) |  | 22576445 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. ([redacted]) | The Collateral Desktop Analysis Fee was not disclosed on Loan Estimate. The fee was added to the re-disclosed LE issued [redacted]; however a tolerance cure or a valid change of circumstance disclosure was not provided. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): HOMEOWNERSHIP COUNSELING ACKNOWLEDGEMENT | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576446 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act ([redacted]): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within [redacted] business days of application. | The file was missing a copy of the Home Loan Toolkit Disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): HOME LOAN TOOL KIT ACKNOWLEDGEMENT | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within [redacted] business days of application. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): SSPL | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576448 |  | Credit | Title | General | 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 (2019-01-03): Lender provided the final title policy insuring the Note amount. This issue is cleared.<br>Buyer Comment (2019-01-02): uploaded. | 01/03/2019 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted] Provide a copy of the final title policy or an addendum to the preliminary title verifying title insurance of at least the loan amount. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the residual income |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22576451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI of [redacted]% exceeded the guideline maximum of [redacted]%. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the DTI exceeding the guideline max |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 30390605 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment Addendum to Note was not provided. |  |  |  | Reviewer Comment (2024-03-06): Document provided<br>Buyer Comment (2024-03-06): Note Addendum uploaded<br>Reviewer Comment (2024-02-29): Provided addendum is different Loan number, MIN no and Date is not matching, please provide Prepayment Addendum to Note for correct property & note, Exception remains.<br>Buyer Comment (2024-02-27): Addendum to Note | 03/06/2024 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | Yes |
| (redacted) | 2 (redacted) |  | 30390606 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provide[redacted]nd month's statement for account [redacted]. |  |  |  | Reviewer Comment (2024-03-26): Client removed account from assets/[redacted]/[redacted] . Exception cleared.<br>Buyer Comment (2024-03-26): updated [redacted] and [redacted] removing minimal balance from savings account, update to asset balance was minimal did not require signature for inconsequential update<br>Buyer Comment (2024-03-26): updated [redacted] and [redacted]removing minimal balance from savings account, update to asset balance was minimal did not require signature for inconsequential update<br>Reviewer Comment (2024-03-26): Associated [redacted]months bank statement present for account #[redacted]for the period [redacted]-[redacted] but latest bank statement provided in file for #[redacted] is for the period [redacted]-[redacted] which is only one month and does not have consecutive bank statement in the file. Exception remains.<br>Buyer Comment (2024-03-25): [redacted] months statements included in [redacted] loan file for this account dated [redacted]-[redacted]. Please see page [redacted]of each account statements uploaded to file folder [redacted]and [redacted] | 03/26/2024 |  |  | 1 A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Per approval document CU score is [redacted]. Per GL's [redacted] CU score of [redacted] or lower, Desk Review or a [redacted] full appraisal is not required. |  |  |  | Reviewer Comment (2023-09-11): Received<br>Reviewer Comment (2023-08-25): UCDP was provided showing a score of [redacted].<br>Buyer Comment (2023-08-23): [redacted] UCDP with score of [redacted] uploaded | 09/11/2023 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399142 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted]not provided |  | Bylaws not provided. |  |  |  | Reviewer Comment (2023-08-25): Company is an [redacted] and By-laws are not required.<br>Buyer Comment (2023-08-23): Articles of Inc uploaded<br>Buyer Comment (2023-08-23): Operating Agreement uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399143 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution not provided. |  |  |  | Reviewer Comment (2023-08-25): Operating agreement shows sole membership and power to bind the company.<br>Buyer Comment (2023-08-23): operating agreement uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399144 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification not provided. |  |  |  | Reviewer Comment (2023-08-25): Verification of identification was provided.<br>Buyer Comment (2023-08-23): [redacted] Patriot Act Disclosure uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399145 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, all borrowers must presently own or rent their primary residence. Evidence is required. Borrower's housing unverifiable. | Borrower has a clean housing payment history<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Prior homeownership experience [redacted].<br>[redacted] Exception with [redacted] | Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-31): Lender Exception with Compensating Factors<br>Reviewer Comment (2023-08-31): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-08-29): Compensating factors used for the exception were ltv [redacted]% below guideline and prior homeownership experience (no fc or ss)<br>Reviewer Comment (2023-08-25): The low housing ratio compensating factor is not applicable for a [redacted] loan where the housing ratio is not calculated.<br>Buyer Comment (2023-08-23): Approved exception uploaded |  |  | 08/31/2023 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399146 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Note is missing the business entity name and signature. |  |  |  | Reviewer Comment (2023-08-25): Corrected note was provided.<br>Buyer Comment (2023-08-23): Note fully executed uploaded | 08/25/2023 |  |  | 1 C A D |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 30399147 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lease agreement provided is expired. Please provide evidence of lease renewal or a new lease. |  |  |  | Reviewer Comment (2023-08-30): Renewed lease provided. Exception cleared.<br>Buyer Comment (2023-08-29): Lease dated [redacted] thru [redacted] uploaded.<br>Reviewer Comment (2023-08-25): Renewed lease agreement was not provided.<br>Buyer Comment (2023-08-23): Current lease with signatures uploaded | 08/30/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 34151743 |  | 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 ___. | Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-06): This was approved as an exception prior to closing. |  |  | 05/08/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548893 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-04-03): Received | 04/03/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548894 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-03-19): UCDP reflect CU score of [redacted], hence secondary valuation not required. Exception cleared.<br>Buyer Comment (2024-03-18): UCDP reflecting CU score of [redacted] uploaded. | 03/19/2024 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548895 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted]business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548896 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] 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]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548897 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted]business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548898 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]: Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted]T-[redacted]endorsement or the T-[redacted] endorsement. (The loan is a [redacted]Section [redacted] home equity loan.) | The loan file does not evidence the Title Policy includes the [redacted]T-42 endorsement or the T-42.1 endorsement. |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-19): Final title policy uploaded. | 03/19/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548899 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted]Constitution Section [redacted]: Borrower did not receive writ[redacted] "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Borrower did not receive writ[redacted] "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-18): Disclosure uploaded. | 03/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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. B C A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548900 |  | 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 Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Refresh Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. 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 borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 6 (redacted) |  | 34548901 |  | 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]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure.. File does not contain a valid COC for this fee, nor evidence of cure. 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 borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 6 (redacted) |  | 34548902 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. File does not contain a valid COC for this fee, nor evidence of cure. 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 borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 6 (redacted) |  | 34548903 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | [redacted] Constitution Section [redacted]: Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Original Principal Loan Amount. Points and Fees total[redacted] on an Original Principal Loan Amount of [redacted] vs. an allowable total of [redacted] | Points and Fees > [redacted]% |  |  |  | Reviewer Comment (2024-04-03): Rate Lock provided.<br>Buyer Comment (2024-04-02): Rate lock confirmation reflecting discount points bona fide uploaded. Please see page 4.<br>Buyer Comment (2024-04-02): Please exclude Bonafide discount from your calculation see rate table attached reflected [redacted] as closest to par note rate on this transaction is [redacted] | 04/03/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548904 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted] Constitution Section [redacted]: Missing Revised Notice Concerning Ex[redacted]sions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted]days prior to closing. |  |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-18): Disclosure uploaded. | 03/19/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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. D B C A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines state parameters for a [redacted] Section [redacted] mortgages: Fixed [redacted] year products allow for Full doc and bank statement documentation allowed. Subject loan was approved with P&L income. Please provide clarification as approval states full doc and [redacted] reflects P&L income. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Residual income >$[redacted].<br>Low housing ration of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-04-24): Lender exception with compensating factors.<br>Buyer Comment (2024-04-22): Post Consummation Exception Approval uploaded.<br>Reviewer Comment (2024-04-10): Alternative Doc type not allowed on [redacted] Section [redacted]([redacted])([redacted]) mortgages.<br>Buyer Comment (2024-04-10): Updated [redacted] reflecting loan underwritten as Alternate Doc uploaded.<br>Reviewer Comment (2024-04-03): Matrix [redacted] states the [redacted] P&L program is an Alternate Doc program, not Full Doc. The [redacted] P&L program is listed under the "[redacted]-Year Alternative Income Documentation" heading on page [redacted] of the Guidelines. Unable to clear.<br>Buyer Comment (2024-04-02): Please note, loan properly reflects underwritten as Full Doc P&L loan. |  |  | 04/24/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548906 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | The loan file is missing the payoff statement for the lien paid to INS/HUD in the amount of $[redacted]. |  |  |  | Reviewer Comment (2024-03-11): Exception Cleared, received payoff Statement for INS/HUD for the amount of [redacted].<br>Buyer Comment (2024-03-07): Please see [redacted] payoff | 03/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548907 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [readcted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548908 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/08/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548910 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted]) Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548911 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated loan approval reflecting Doc Type P&L [redacted] year. |  |  |  | Reviewer Comment (2024-04-10): Updated Approval provided. Cleared.<br>Buyer Comment (2024-04-10): Updated [redacted] reflecting loan underwritten as Alternate Doc uploaded.<br>Reviewer Comment (2024-04-03): Matrix [redacted] states the [redacted] P&L program is an Alternate Doc program, not Full Doc. The [redacted] P&L program is listed under the "[redacted]r Alternative Income Documentation" heading on page [redacted]of the Guidelines. Unable to clear.<br>Buyer Comment (2024-04-02): Please note, loan properly reflects underwritten as Full Doc P&L loan. | 04/10/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 34548913 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | [redacted] Constitution Section [redacted] : Acknowledgment of the Fair Market Value not properly executed. | Document was not signed and dated by lender and non-borrowing spouse. |  |  |  | Reviewer Comment (2024-04-25): [redacted] received copy of disclosure signed by spouse post closing.<br>Buyer Comment (2024-04-22): Disclosure signed by [redacted] uploaded. |  | 04/25/2024 |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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. B C A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 34548914 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section [redacted] : Acknowledgment of the Fair Market Value not properly executed by the Lender. | Document was not signed and dated by lender. |  |  |  | Reviewer Comment (2024-04-24): Document signed by the Lender, system cleared.<br>Buyer Comment (2024-04-22): Disclosure signed by lender uploaded.<br>Reviewer Comment (2024-03-29): Document provided was not signed and dated by the Lender. Please provide lender signed/dated disclosure.<br>Buyer Comment (2024-03-21): Disclosure uploaded. | 04/24/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 34607607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]) of [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to[redacted] | DTI exceed [redacted] |  |  |  | Reviewer Comment (2023-12-14): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-12-14): Regraded to [redacted] due to comp factors including saving overall[redacted] a month including debt consolidation, residual income of over [redacted] , living in home for [redacted] years and at their place of business for[redacted] years.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-11): Please see VVOE attached. Loan Processor Verified bwr's employment on [redacted]<br>Reviewer Comment (2023-08-31): Employment clarified. Loan file still missing VVOE dated no more than [redacted] days prior to Note Date. Approval reflect incorrect hire date for Comp Factor.<br>Buyer Comment (2023-08-28): This borrower has been refinanced her property thru us a few times. I found this VOE from an older file which shows that bwr is been working with the same employer since [redacted] The reason for the discrepancy may come from the fact that she changed job title and or position. Please see attached VOE from previous loan. If this VOE does not satisfy exception please advise what other document or information you may need.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is[redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/14/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607608 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted] Constitution Section [redacted] : Borrower did not receive writ[redacted] "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Acknowledgment of the Fair Market Value is missing from the file. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Fair Market Value attached signed by bwr and Lender | 08/25/2023 |  |  | 1 C A |  | TX | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 34607609 |  | 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] Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance o[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-09-12): [redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2023-09-11): Please see PCCD & Pymt History attached showing cure for [redacted]<br>Reviewer Comment (2023-08-24): [redacted] received Changed Circumstance dated [redacted] but it does not give sufficient information on why the Endorsement fee, Tax Certificate fee was increased and the Recording fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-08-23): No Cure need. Increased in settlement charges occurred because LE dated on [redacted] shows a Rate Lock/Lock Extension/Relock and endorsement changes. Please see LE, Proof of deliver and COC letter |  | 09/12/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 34607610 |  | 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]. Insufficient or no cure was provided to the borrower. | Loan discount point Fee was disclosed on initial Loan estimate as [redacted] but disclosed but final Closing Disclosure [redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2023-08-24): [redacted] received Lender detailed comment with Changed Circumstance dated [redacted]<br>Buyer Comment (2023-08-23): Non Cure need. LE dated on [redacted] shows a Rate Lock/Lock extension/Relock. Please see LE, COC and Proof of deliver | 08/24/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 34607612 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Divorce decree along with [redacted] months payment receipt required. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Divorce Decree attached with Proof of Pymts made for last [redacted] months | 08/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607613 |  | 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 LTV exceeds maximum guideline LTV. | Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is[redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607614 |  | 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 ___. | Calculated LTV exceeds maximum guideline LTV. | Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the[redacted] years of employment as a wage earner and the hire date of [redacted] . The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Reviewer Comment (2023-08-25): The lender exception only referenced LTV. Provide updated exception approval for CLTV ratio.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607615 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated DTI exceed maximum DTI of [redacted] | Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from [redacted] indicates the most recent hire date is[redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607616 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has owned the subject property for at least [redacted] years. | Comp factors on lender exception.<br>Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception. | Originator,SitusAMC<br>SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-25): Lender granted exception approval provided.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 08/25/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds [redacted] |  |  |  | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] . The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from CoreLogic indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded | 12/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607618 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | DTI exceeds [redacted] |  |  |  | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-19): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Income documentation missing.<br>Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded | 12/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607619 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Child support documents are missing in file. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Divorce Decree and child sup[port pymts attached | 08/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607620 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to DTI, lender exception for DTI. |  |  |  | Reviewer Comment (2023-12-14): Loan is Non-QM. | 12/14/2023 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 34607621 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is not currently employed. |  | Loan file missing VVOE dated no more than [redacted] days prior to Note Date. |  |  |  | Reviewer Comment (2023-09-14): VVOE provided.<br>Buyer Comment (2023-09-11): Please see VVOE attached | 09/14/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 34607622 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing VVOE dated no more than [redacted] days prior to Note Date . |  |  |  | Reviewer Comment (2023-09-14): VVOE provided. | 09/14/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607624 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower -[redacted] is missing in loan file, as well as the VVOE in file is missing the phone number of the person providing the verification (employer) and evidence that the employer's telephone number for the borrower's employer was verified independently. Co-Borrower - Provide evidence the borrower has returned to work and is receiving full pay/hours, as most recent paystub reflects borrower out on short term disability with reduced income. |  |  |  | Reviewer Comment (2023-12-12): Start date for [redacted] from [redacted] transcript from [redacted] is received for yea[redacted] . Updated 1003 received,[redacted] year employment history met, exception Cleared.<br>Buyer Comment (2023-12-05): No secondary employment considered in qualifying borrower. Please clarify condition, borrower's 1003 updated to support [redacted] years with current employment and qualified with earnings from this employer only<br>Reviewer Comment (2023-11-29): Exception remains Page [redacted] of Equifax VVOE verified for Employer [redacted] and no [redacted] Employer is present on report however VVOE for Employer [redacted] Automotive is unable to verify.<br>Buyer Comment (2023-11-28): [redacted] Automotive not borrower's employer, see page [redacted] of verification with borrower's employer [redacted] which was verified by Equifax<br>Reviewer Comment (2023-11-21): Exception remains - Received VVOE for employer [redacted] which states that unable to verify - Employer Unresponsive.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. [redacted] not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. [redacted] not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): [redacted] received and associated in [redacted]. Exception Remains as the VVOE clarification is pending to be clear.<br>Buyer Comment (2023-10-24): borrower[redacted]<br>Reviewer Comment (2023-10-16): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: VVOE - Employment Only, [redacted]<br>Reviewer Comment (2023-10-13): Borrower is currently working at [redacted] [redacted] . Hence total duration of current job is[redacted] years which is less than [redacted] years. So require [redacted] from previous employer [redacted] Automotive. Provide VVOE for borrower in file has missing phone number of person providing the verification and evidence that the employers number for the borrower's employer verified independently. For co-borrower, provide evidence that borrower has returned to work and is receiving full pay/hours, as most recent paystub reflects borrower out on short term disability with reduced income. Exception remains.<br>Buyer Comment (2023-09-29): Disregard note regarding VOE, the work number was for [redacted] not borrower as condition states. Will submit information for that part of the condition<br>Buyer Comment (2023-09-29): VOE indicates number was verified through the work number, form reuploaded for review<br>Buyer Comment (2023-09-29): [redacted] not required, [redacted] prior years earnings documented with [redacted] documents in file. Please review and modify condition if possible. | 12/12/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607625 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance violation for appraisal fee in the amount of [redacted] with no cure or change of circumstance provided to the borrower. |  |  |  | Reviewer Comment (2023-10-23): [redacted] Received Payment history, PCCD and LOE.<br>Buyer Comment (2023-10-20): Cure and corrected cd |  | 10/23/2023 |  | 2 C B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 8 (redacted) |  | 34607626 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance violation in the amount of[redacted] with no cure or change of circumstance provided to the borrower. |  |  |  | Reviewer Comment (2023-10-23): [redacted] Received Payment history, PCCD and LOE.<br>Buyer Comment (2023-10-20): Cure and corrected CD<br>Reviewer Comment (2023-10-02): [redacted] : On Initial LE disclosed Title-Settlement fee [redacted] and Title-Lender title fee[redacted] The Total of[redacted] Tolerance fee on LE is[redacted] . whereas on Final CD disclosed as Title-Settlement fee [redacted] Title-Lender title fee [redacted] Title- Notary fee [redacted] , Title - Document preparation fee [redacted] and Recording fee [redacted] . Final CD total of [redacted] Tolerance is[redacted] and provided COC does not give sufficient information for the Doc preparation fee, Notary fee, Recording fee added and Settlement fee increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-09-29): Please see COC and updated LE with fee changes applied. Please review for consdiration to remove cure noted |  | 10/23/2023 |  | 2 C B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 8 (redacted) |  | 34607627 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] CMPA Home Loan Toolkit Status | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home loan toolkit was not provided in the file. |  |  |  | Buyer Comment (2023-11-28): Compliance review |  |  | 11/28/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607628 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | File is missing a payoff statement. |  |  |  | Reviewer Comment (2023-10-16): Payoff provided.<br>Buyer Comment (2023-10-03): Payoff uploaded | 10/16/2023 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Most recent paystub dated [redacted] reflects the borrower as being on Short Term Disability. Provide evidence borrower is working full time and not out on disability or additional documentation may be required. |  |  |  | Reviewer Comment (2023-12-20): An updated [redacted]has been provided.<br>Buyer Comment (2023-12-15): updated [redacted]uploaded<br>Reviewer Comment (2023-12-15): [redacted]reflects prior DTI and shows CB income. Please correct.<br>Buyer Comment (2023-12-05): CB is remaining on loan, income not considered in qualifying.<br>Reviewer Comment (2023-12-04): Provide new Approval, [redacted], [redacted], income worksheet, and Note without CB on loan.<br>Buyer Comment (2023-11-16): Underwriting exception for DTI, cb income no longer considered in qualifying | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607630 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All mortgages and rental payments should be current at time of closing. Credit report and VOR/VOM reflect a past-due status, updated documentation is required to verify account is current. |  |  |  | Reviewer Comment (2023-10-16): Provided. Current. No PPP.<br>Buyer Comment (2023-09-29): Payment history/VOM uploaded | 10/16/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607631 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | All mortgages and rental payments should be current at time of closing. Credit report and VOR/VOM reflect a past-due status, updated documentation is required to verify account is current. |  |  |  | Reviewer Comment (2023-10-16): Provided. Current. No PPP.<br>Buyer Comment (2023-10-03): Verification of mortgage uploaded | 10/16/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607632 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Current employment VVOE for the borrower does not contain all required information and [redacted] for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-12): Start date for[redacted] verified as [redacted] from [redacted] transcript from [redacted] is received for year [redacted] . Updated [redacted] received, [redacted] employment history met, exception Cleared.<br>Buyer Comment (2023-12-05): Updated [redacted] with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from [redacted] which was pulled prior. Provide Correct dates for prior employment on the [redacted] as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of[redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. [redacted]not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): [redacted] received and associated in [redacted]. Exception Remains as the VVOE clarification is pending to be clear.<br>Buyer Comment (2023-10-24): [redacted] w [redacted] for borrower<br>Buyer Comment (2023-10-24): [redacted] w [redacted]for borrower<br>Reviewer Comment (2023-10-16): [redacted] years employment not provided for borrower, since [redacted] Transcripts did not reflect income from prior employer and[redacted] not in file. Provide VVOE to verify prior employment.<br>Buyer Comment (2023-10-05): Please clarify why[redacted] provided | 12/12/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607633 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2023-11-02): [redacted]<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on [redacted] . Need evidence that the borrower received a copy of the latest appraisal at least[redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): original appraisal received by borrower<br>Buyer Comment (2023-10-20): updated appraisal report received by borrower |  |  | 11/02/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607634 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Exception Cleared Proof of Appraisal Delivery Provided and updated.<br>Buyer Comment (2023-11-16): updated appraisal delivered to borrower<br>Reviewer Comment (2023-11-16): Waived in error.<br>Buyer Comment (2023-11-02): [redacted]<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on[redacted] . Need evidence that the borrower received a copy of the latest appraisal at least [redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): revised appraisal receipt by borrower<br>Reviewer Comment (2023-10-16): Provide a copy of the appraisal delivered [redacted] , and provide delivery of the [redacted] report.<br>Buyer Comment (2023-09-29): Evidence of appraisal delivery uploaded | 12/04/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607635 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Exception Cleared Proof of Appraisal Delivery Provided and updated.<br>Buyer Comment (2023-11-16): Updated appraisal delivery uploaded<br>Reviewer Comment (2023-11-16): waived in error<br>Buyer Comment (2023-11-02): x<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on [redacted] . Need evidence that the borrower received a copy of the latest appraisal at least [redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): Initial appraisal report<br>Buyer Comment (2023-10-20): receipt of updated appraisal report<br>Reviewer Comment (2023-10-16): Provide a copy of the appraisal delivered [redacted] and provide delivery of the[redacted] report.<br>Buyer Comment (2023-09-29): Evidence of appraisal delivery uploaded | 12/04/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan is ab ATR Risk due to excessive DTI. An exception was requested with compensating factors. Compensating factors show [redacted] Plus Years on Job. Please provide an updated Underwriting Exception details sheet that removesthe [redacted] Years on Job as this applies to the Borrower whose income is no longer being considered, as updated on the re-sent [redacted]. |  |  |  | Reviewer Comment (2023-12-27): Non-QM based on DTI exception waived with compensating factors.<br>Buyer Comment (2023-12-21): Updated exception approval removing comp factor for [redacted] years on the job for cb whose income/employment was not considered<br>Reviewer Comment (2023-12-20): Loan is ab ATR Risk due to excessive DTI. An exception was requested with compensating factors. Compensating factors show [redacted] Years on Job. Please provide an updated Underwriting Exception details sheet that removesthe [redacted] Years on Job as this applies to the Borrower whose income is no longer being considered, as updated on the re-sent 1008.<br>Buyer Comment (2023-12-15): Installment debt omitted, payments due in less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, [redacted] removed. Updated Approval, Comp Factors, and 1008 required. Borrower has only been on job [redacted] years, not [redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated 1003 with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from TWN which was pulled prior. Provide Correct dates for prior employment on the 1003 as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): W-2 transcripts reflect [redacted] income from the borrower's current employer, yet VVOE indicates start date is[redacted] . Documentation requested to verify [redacted] income/employment. Prior employment documentation missing. VVOE needed to support [redacted] years employment.<br>Buyer Comment (2023-10-20): VVOE for borrower with details<br>Buyer Comment (2023-10-20): Please clarify why [redacted] is requested, [redacted] years earnings documented | 12/27/2023 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 8 (redacted) |  | 34607637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Guideline Deficiency due to current employment VVOE for the borrower does not contain all required information and [redacted] W2 for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-20): Coborrower income was removed.<br>Buyer Comment (2023-12-15): Installment debt omitted, payments due in less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, CB removed. Updated Approval, Comp Factors, and 1008 required. Borrower has only been on job [redacted] years, not [redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated 1003 with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer. [redacted] not removed from transaction, only removing her income from qualifying.<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from [redacted] which was pulled prior. Provide Correct dates for prior employment on the 1003 as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): Prior employment documentation missing. VVOE needed to support [redacted] employment. Current VVOE received.<br>Buyer Comment (2023-10-20): VVOE details for borrower<br>Buyer Comment (2023-10-20): disregard question, i see comment on a different condition<br>Buyer Comment (2023-10-20): Please clarify the reason[redacted] is requested,[redacted] earnings documented | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Investor Guidelines Violation because current employment VVOE for the borrower does not contain all required information and[redacted] for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-20): Exception for Investor qualifying total debt ratio discrepancy has been waived.<br>Buyer Comment (2023-12-15): [redacted] auto omitted, payments due are less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, CB removed. Updated Approval, Comp Factors, and[redacted] required. Borrower has only been on job[redacted] years, no[redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated [redacted] with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from TWN which was pulled prior. Provide Correct dates for prior employment on the 1003 as the W2 transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): Prior employment documentation missing. VVOE needed to support [redacted] years employment. Current VVOE received.<br>Buyer Comment (2023-10-20): VVOE for borrower including details<br>Buyer Comment (2023-10-20): Disregard question, I see comment on a different condition regarding this<br>Buyer Comment (2023-10-20): Please clarify the need for [redacted] years employment earnings verified in file [redacted] , what is the reason we need [redacted] | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607640 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds Guidelines. Updated Approval with corrected CF and DTI required. Updated [redacted] with debts paid at close corrected. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No [redacted] or [redacted])<br>Housing Ratio [redacted]or less.<br>Additional income not being used in qualifying (disability). | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-03-19): waived<br>Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted] % exceeds Guideline total debt ratio of [redacted] %.<br>Reviewer Comment (2026-03-19): reopen<br>Reviewer Comment (2024-02-14): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-12-20): Regraded with Compensating Factors. Excessove DTI to be reviewed by Compliance.<br>Reviewer Comment (2023-12-20): Regraded with Compensating Factors. Excessove DTO to be reviewed by Compliance.<br>Reviewer Comment (2023-12-20): Housing Ratoo [redacted] or less<br>Buyer Comment (2023-12-15): UPE approved PTC<br>Buyer Comment (2023-12-15): Updated 1008/1003 uploaded with debts reported to be paid and what is remaining for qualifying |  |  | 03/19/2026 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to [redacted] | Co-Borrower income was no longer used to qualify resulting in a high DTI. An exception was requested with compensating factors. |  |  |  | Reviewer Comment (2023-12-28): Exception waived with compensating factors.<br>Reviewer Comment (2023-12-27): DTI exception waived with compensating factors.<br>Reviewer Comment (2023-12-26): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay [redacted] : The DTI calculated in accordance with the Lenders Guidelines and[redacted] significantly exceeds the guideline maximum of [redacted] (DTI Exception requires compelling compensating factors to consider regrading to [redacted]<br>Buyer Comment (2023-12-21): exception for DTI due to removing cb income/employment from qualifying |  |  | 12/28/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 8 (redacted) |  | 34607642 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-02-29): Property Inspection report received and uploaded. Exception Cleared<br>Buyer Comment (2024-02-26): FEMA report uploaded | 02/29/2024 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 34609403 |  | 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] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): [redacted] Received Corrected PCCD and LOE moving title fees to section [redacted] .<br>Buyer Comment (2025-06-04): Per your request, please see attached PCCD showing all title fees moved to section [redacted] .<br>Reviewer Comment (2025-06-04): [redacted] received Post CD and LOX by moving only title- closing protection letter to section C. However, we would require all the title fees to be moved to Section C. Since the Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is [redacted]. Fees on CD were paid to [redacted], [redacted], [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-06-02): Please see PCCD attached showing title closing protection letter moved to section C<br>Reviewer Comment (2025-05-30): [redacted] received rebuttal. Title - CPL fee and Title - Document Preparation fee paid to service provider. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-05-29): Could you please kindly confirm if by moving The Closing Protection Letter Lender to section C and apply an additional cure for $[redacted] will be clear present exception? Also, what about the fee that is listed or paid to [redacted] fee for $[redacted]needs to be moved to section C? Please advise. Thank you<br>Reviewer Comment (2025-05-23): [redacted] received CD issued [redacted]. Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is [redacted] Title. Fees on CD were paid to [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-05-22): Could you please kindly review this exception one more time? Per our PC dept we did a TRID review audit and per excel attached the cure for increased in settlement charges is only $[redacted] Plus lender credit reflected in page # [redacted] of [redacted] under section J doe an additional $[redacted]. Please review both files and advise. Thank you | 06/05/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 9 (redacted) |  | 34609407 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [redacted] exceeds Guideline loan to value percentage of [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Prior Homeownership Experience (No [redacted] or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-14): Client elects to waive with compensating factors. |  |  | 05/14/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 34609408 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted] . | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Prior Homeownership Experience (No [redacted] or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-14): Client elects to waive with compensating factors. |  |  | 05/14/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 10 (redacted) |  | 34609985 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-15): [redacted] [redacted] risk score of [redacted]located under property history report tab<br>Buyer Comment (2025-07-14): CU score is [redacted](less than [redacted]) and LTV is [redacted]% (less than [redacted]%), therefore secondary valuation is not required. | 07/15/2025 |  |  | 1 D A |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 10 (redacted) |  | 34609988 |  | 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 provided however no compensating factors were listed. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>[redacted]+ years on job.<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors. |  |  | 07/15/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 10 (redacted) |  | 34609989 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount less than $[redacted]. Lender Exception provided however no compensating factors were listed. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>[redacted]+ years on job.<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors. |  |  | 07/15/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 11 (redacted) |  | 36358039 |  | 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] Insufficient or no cure was provided to the borrower. | Recording fee was disclosed on the LE dated [redacted]n the amount of [redacted]and on the final CD the fee increased to $[redacted] Missing a valid change in circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-12-01): [redacted]received corrected PCCD, LOE and payment history for principal reduction.<br>Buyer Comment (2022-11-30): PCCD showing [redacted] lender credit in correct section of [redacted] for tolerance cure<br>Reviewer Comment (2022-11-29): [redacted]received a rebuttal from seller stating that the Lender credit for [redacted] was provided at closing and it is reflecting on final settlement statement. Upon review, we see that the Lender credit was not reflecting on final Cd and was disclosed on PCCD dated [redacted] in the outer column of sec J. In order to cure the exception, we need a corrected PCCD showing the cure for[redacted] in the inner column of Sec J.<br>Buyer Comment (2022-11-28): Total lender credit was [redacted] [redacted] was issued at closing and the balance was after closing. please see settlement statement showing the lender credit was applied correctly.<br>Reviewer Comment (2022-11-09): Principal reduction of [redacted] was reflected on the CD issued[redacted] which is insufficient to cure the required amount of [redacted] if the cure was provided for $[redacted] on the previous PCCD, we do not have the cure reflecting correctly in the inner column of [redacted] and also the remaining cure documents like copy of check and LOE is missing. Provide a Corrected CD, a copy of the refund check for remaining cure of [redacted] Proof of mailing, and a letter of explanation sent to the borrower disclosing the changes made.<br>Buyer Comment (2022-11-08): Post Consummation CD and proof of cure |  | 12/01/2022 |  | 2 C B |  | IN | 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 |
| (redacted) | 11 (redacted) |  | 36358040 |  | 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] Insufficient or no cure was provided to the borrower. | [redacted] Fee was not disclosed on the LE dated [redacted]. The final CD the fee reflects [redacted]. Missing a valid change in circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-10-31): [redacted]received VCC dated [redacted]and copy of deed.<br>Buyer Comment (2022-10-28): copy of deed<br>Reviewer Comment (2022-10-28): [redacted]received Changed Circumstance dated [redacted] it states 'Prep grant deed for vesting from ex husband to borrower. In order to determine if the changed circumstance is valid please provide Grant deed as it's missing in the loan file and more information is necessary on reason fee added and when lender became aware of the change. Please provide Grant deed.<br>Buyer Comment (2022-10-27): COC | 10/31/2022 |  |  | 1 C A |  | IN | 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 |
| (redacted) | 11 (redacted) |  | 36358041 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] orm should have been used. | 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.<br> Remove/Clear Exceptions |  |  |  | Reviewer Comment (2022-11-28): Lender acknowledges exception.<br>Reviewer Comment (2022-11-28): Lender mistakenly chose unable to clear as condition status.<br>Buyer Comment (2022-10-27): [redacted] accepting exception grade [redacted] |  |  | 11/28/2022 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 11 (redacted) |  | 36358044 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of [redacted]is less than Guideline minimum loan amount of[redacted] | Borrower has been employed in the same industry for more than[redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months. | Substantial Cash Reserves and [redacted] years on the job.<br>Substantial Cash Reserves and [redacted] years on the job. | Originator Pre-Close,SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2022-10-25): Substantial Cash Reserves and [redacted] years on the job. Client elects to downgrade and waive. |  |  | 10/25/2022 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 11 (redacted) |  | 36358045 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural exception was granted by lender with compensating factors: Substantial Cash Reserves and [redacted]years on the job. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months.<br>Borrower has been employed in the same industry for more than[redacted]years. | Substantial Cash Reserves and [redacted] years on the job.<br>Substantial Cash Reserves and [redacted] years on the job. | SitusAMC,Originator Pre-Close<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2022-10-25): [redacted] years on the job. Substantial Cash Reserves. Client elects to downgrade and waive. |  |  | 10/25/2022 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 12 (redacted) |  | 36358047 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception for loan amount. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Lender Exception with Comp Factors provided for regrade and waive. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-06-01): Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-02-27): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 02/27/2023 | 2 B |  | NE | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358050 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | [redacted] Valuations Rule (Dodd-Frank 2014): 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 (2023-10-18): Received Appraisal notice, verified and updated details. Exception Cleared.<br>Reviewer Comment (2023-09-27): Valuation in file dated [redacted]. Evidence of delivery of [redacted] appraisal required.<br>Buyer Comment (2023-09-22): valuation submission and receipt uploaded | 10/18/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358051 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [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 (2023-10-18): Received Appraisal notice, verified and updated details. Exception Cleared.<br>Buyer Comment (2023-10-05): Evidence appraisal delivery<br>Reviewer Comment (2023-09-27): Valuation in file dated [redacted]. Evidence of delivery of [redacted] appraisal required.<br>Buyer Comment (2023-09-25): Evidence receipt of appraisal uploaded | 10/18/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358052 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] [redacted]AM. | Final CD issued on [redacted] was not signed by the borrower and assumed receipt is [redacted]. |  |  |  | Reviewer Comment (2023-09-28): Loan closed and docs were signed on [redacted]. Proper rescission was provided.<br>Reviewer Comment (2023-09-27): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted].<br>Buyer Comment (2023-09-22): A funder issued CD post consummation to update payoff amount | 09/28/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 13 (redacted) |  | 36358053 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Final CD issued on [redacted] was not signed by the borrower and assumed receipt is [redacted]. |  |  |  | Reviewer Comment (2023-09-28): Loan closed and docs were signed on [redacted]. Proper rescission was provided.<br>Buyer Comment (2023-09-25): Final signed CD uploaded | 09/28/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 13 (redacted) |  | 36358055 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] 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]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR of [redacted]% > [redacted]%. |  |  |  | Reviewer Comment (2023-10-18): Received Appraisal notice, verified and updated details. Exception Cleared.<br>Reviewer Comment (2023-09-27): Valuation in file dated [redacted]. Evidence of delivery of [redacted] appraisal required.<br>Buyer Comment (2023-09-25): Receipt of appraisal uploaded | 10/18/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358056 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | [redacted] Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-09-27): Documentation provided.<br>Buyer Comment (2023-09-25): Evidence appraisal receipt uploaded | 09/27/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358057 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-09-27): Documentation provided.<br>Buyer Comment (2023-09-25): Evidence receipt of appraisal report uploaded | 09/27/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358058 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-[redacted] Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (2023-11-14): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form<br>Buyer Comment (2023-11-14): NORTC cover letter to borrower<br>Buyer Comment (2023-11-14): [redacted] shipping label to borrower for NORTC<br>Reviewer Comment (2023-11-14): Missing Letter of Explanation and Proof of Delivery.<br>Buyer Comment (2023-11-07): Updated NORTC form uploaded |  | 11/14/2023 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 13 (redacted) |  | 36358059 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient reserves. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous | Lender Comp Factor.<br>Low housing Ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator | Reviewer Comment (2023-09-19): Lender Comp Factor. |  |  | 09/19/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358060 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Insufficient FICO. | Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years. | Low housing Ratio of [redacted]% or less.<br>Lender Comp Factor. | Originator<br>Originator,SitusAMC | Reviewer Comment (2023-09-19): Lender Comp Factor. |  |  | 09/19/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 13 (redacted) |  | 36358061 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous | Lender Comp Factor.<br>Low housing Ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator | Reviewer Comment (2023-09-19): Lender Comp Factor. |  |  | 09/19/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358064 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | There was no Preliminary or Final Title Policy in file. |  |  |  | Reviewer Comment (2023-12-20): Final Policy was provided<br>Buyer Comment (2023-12-14): Please see final Title Insurance attached | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358065 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | [redacted] Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Documentation was not found to verify receipt of the appraisal at least [redacted] business days prior to closing. The form signed at closing contained two options and the borrower did not select the applicable option. |  |  |  | Reviewer Comment (2023-12-20): Evidence of appraisal delivery provided<br>Buyer Comment (2023-12-14): Please see the proof of appraisal that was delivered to bwr attached. | 12/20/2023 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358066 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2023-12-20): Evidence of appraisal delivery provided<br>Buyer Comment (2023-12-14): Please see the proof of appraisal that was delivered to bwr attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358067 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Documentation was not found to verify receipt of the appraisal at least [redacted] business days prior to closing. The form signed at closing contained two options and the borrower did not select the applicable option. |  |  |  | Reviewer Comment (2023-12-20): Evidence of appraisal delivery provided<br>Buyer Comment (2023-12-14): Please see the proof of appraisal that was delivered to bwr attached. Please disregard previous upload was an incorrect file.. Thank you<br>Buyer Comment (2023-12-14): Please see the proof of appraisal that was delivered to bwr attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358069 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] AM. | Final CD signed [redacted], and disbursed [redacted]. If the signing date is [redacted], the recission days are [redacted]/[redacted], making it eligible for disbursement [redacted]. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. |  |  |  | Reviewer Comment (2024-01-23): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form.<br>Buyer Comment (2024-01-11): Please NORTC attached with LOE and proof of delivery |  | 01/23/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 14 (redacted) |  | 36358070 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]. | [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted] received changed circumstance.<br>Buyer Comment (2023-12-15): No cure is needed. Lender credit was applied or disappeared from LE because a new loan program was accepted or changed. the file went from FHA to a Conventional loan. Please see the attached documents which include LE from [redacted] and [redacted] signed by both borrowers, proof of delivery, COC. | 12/18/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 14 (redacted) |  | 36358071 |  | 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]. Insufficient or no cure was provided to the borrower. | Loan Discount Points amount of $[redacted] exceeds tolerance of $[redacted]. A valid Change of Circumstance was not provided. |  |  |  | Reviewer Comment (2023-12-18): [redacted] received LOE in lieu of COC for change in loan Type.<br>Buyer Comment (2023-12-15): No cure is needed. The discount point started at $[redacted] on the initial LE dated [redacted] but then on the next LE dated [redacted], the discount point increased to $[redacted] because there was a change in the loan program. from FHA to a Conventional file. there is COC letter, a signature of the borrowers, and proof of delivery. Please see the attached documents. | 12/18/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 14 (redacted) |  | 36358072 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-21): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2023-12-20): Please see PCCD & Pymt History attached showing an additional cure for $[redacted] |  | 12/21/2023 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 14 (redacted) |  | 36358073 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2023-12-20): VOE was provided.<br>Buyer Comment (2023-12-14): Please see VVOE attached within [redacted] business days from closing | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358074 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Documentation should have been obtained to clarify the borrower's date of hire reflected as [redacted] is on the Verbal Verification of Employment, however there is a [redacted] [redacted]in file and the loan application reflects [redacted]. Verbal Verification of Employment within [redacted] business days was not provided for the co-borrower. |  |  |  | Reviewer Comment (2023-12-20): Additional employment verification documents were provided.<br>Buyer Comment (2023-12-15): [redacted] may have a correct starting date of hire from our borrower. We have VOE on file signed by HR which states that the borrower started to work for Kern County on [redacted] to [redacted] as Sr. Administrative & Fiscal Service Office. most likely bwr may changed the job title or have been promoted to another job title position. Please see the VOE attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358075 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted] Final is incomplete |  | The balance was not reflected for the [redacted] account at [redacted] required to meet reserves per guidelines. |  |  |  | Reviewer Comment (2023-12-26): Updated [redacted] was received and associated, exception cleared.<br>Buyer Comment (2023-12-21): Please see the retirement statement attached showing an ending balance of $[redacted]/ [redacted]% = $[redacted]<br>Reviewer Comment (2023-12-20): Reviewed trailing documents provided to date. Updated Final [redacted] showing the account balance used to qualify with XXX Financial was not provided. Exception remains.<br>Buyer Comment (2023-12-20): Please see an update [redacted] attached reflecting the retirement account balance. | 12/26/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358076 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | [redacted] additional mortgage liens with The Department of Housing were paid off at the time of closing. Documentation is required for all [redacted] verifying the borrower's were not required to make monthly payments or provided a recent [redacted] month pay history. There was [redacted] Note found for the lien dated [redacted] for $[redacted]verifying there was no monthly payments required. Need evidence of the additional [redacted] liens. |  |  |  | Reviewer Comment (2023-12-20): Additional documentation including a Final Ttile showing no liens was provided.<br>Buyer Comment (2023-12-15): We paid at closing [redacted] different Liens from HUD $[redacted], $[redacted], and $[redacted]total paid to HUD $[redacted]. The last Lien that is mentioned in your request for missing documents is included. Per documents, there is no monthly pymts to make until April [redacted]. Please see the attached documents | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358077 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | [redacted] additional mortgage liens with The Department of Housing were paid off at the time of closing. Documentation is required for all [redacted] verifying the borrower's were not required to make monthly payments or provided a recent [redacted] month pay history. There was [redacted] Note found for the lien dated [redacted] for $[redacted]verifying there was no monthly payments required. Need evidence of the remaining [redacted] liens. |  |  |  | Reviewer Comment (2023-12-20): Additional documentation including a Final Ttile showing no liens was provided.<br>Buyer Comment (2023-12-15): We paid at closing [redacted] different Liens from HUD $[redacted], $[redacted], and $[redacted]total paid to HUD $[redacted]. The last Lien that is mentioned in your request for missing documents is included. Per documents, there is no monthly pymts to make until April [redacted]. Please see the attached documents | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358078 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Documentation should have been obtained to clarify the borrower's date of hire is reflected as [redacted] on the Verbal Verification of Employment, however there is a [redacted] [redacted]in file and the loan application reflects [redacted]. Verbal Verification of Employment within [redacted] business days was not provided for the co-borrower. |  |  |  | Reviewer Comment (2023-12-20): Verification of employment history was provided.<br>Buyer Comment (2023-12-15): [redacted] may have a correct starting date of hire from our borrower. We have VOE on file signed by HR which states that the borrower started to work for [redacted] County on [redacted] to [redacted] as XXX Office. most likely bwr may changed the job title or have been promoted to another job title position. Please see the VOE attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing documentation to clarify the borrower's date of hire reflected as [redacted] on the Verbal Verification of Employment when there is a [redacted] [redacted]in file and the loan application reflects [redacted], Verbal Verification of Employment within [redacted] business days was not provided for the co-borrower, and documentation to verify the pay history for the [redacted] remaining HUD liens paid off at closing or evidence monthly payments were not required, is causing the loan to [redacted] to Non-QM/ATR requirements. This results in a Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2023-12-20): Additional documentation was provided.<br>Buyer Comment (2023-12-15): Please advise if you may need any additional documents to clear this exception. All Documents mentioned were already uploaded on previous exceptions. | 12/20/2023 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 14 (redacted) |  | 36358080 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing documentation to clarify the borrower's date of hire reflected as [redacted] on the Verbal Verification of Employment when there is a [redacted] [redacted]in file and the loan application reflects [redacted], Verbal Verification of Employment within [redacted] business days was not provided for the co-borrower, and documentation to verify the pay history for the two remaining HUD liens paid off at closing or evidence monthly payments were not required, is causing the loan to [redacted] to Non-QM/ATR requirements. |  |  |  | Reviewer Comment (2023-12-20): Additional income documentation was provided.<br>Buyer Comment (2023-12-15): Please advise if you may need any additional documents to clear this exception. All Documents mentioned were already uploaded on previous exceptions. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358081 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing documentation to clarify the borrower's date of hire reflected as [redacted] on the Verbal Verification of Employment when there is a [redacted] [redacted]in file and the loan application reflects [redacted], Verbal Verification of Employment within [redacted] business days was not provided for the co-borrower, and documentation to verify the pay history for the [redacted] remaining HUD liens paid off at closing or evidence monthly payments were not required, is causing the loan to [redacted] to Non-QM/ATR requirements. This results in a Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2023-12-20): Additional documentation was provided.<br>Buyer Comment (2023-12-15): [redacted] may have a correct starting date of hire from our borrower. We have VOE on file signed by HR which states that the borrower started to work for [redacted] County on [redacted] to [redacted] as [redacted] Office. most likely bwr may changed the job title or have been promoted to another job title position. Please see the VOE attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358082 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification not found for either borrower per guidelines. |  |  |  | Reviewer Comment (2023-12-20): Verification of Identification provided.<br>Buyer Comment (2023-12-14): Please see the Patriot Act attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided |  | Please provide corrected [redacted]. Note rate does not match file terms. |  |  |  | Reviewer Comment (2023-12-21): Updated [redacted] was provided.<br>Reviewer Comment (2023-12-21): Exception remains: Updated [redacted] not found, please re upload.<br>Buyer Comment (2023-12-14): Please see an update [redacted] attached. | 12/21/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358084 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide corrected Approval reflecting accurate Credit Grade. VOM in file from Freedom Mortgage reflects the borrower as [redacted]x[redacted]in the last [redacted] months which is a B Grade, not A as shown on the Approval. |  |  |  | Reviewer Comment (2023-12-21): Approval with Credit Grade B reflected was provided. Exception cleared.<br>Buyer Comment (2023-12-15): Please see Non-Agency Loan Approval attached showing a Credit Grade B | 12/21/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358085 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  | [redacted] in file reflects the borrower's start date as [redacted]. There is no other [redacted] party verifications evidencing an earlier start date. |  |  |  | Reviewer Comment (2023-12-20): Additional Income documentation was provided.<br>Buyer Comment (2023-12-15): [redacted] may have a correct starting date of hire from our borrower. We have VOE on file signed by HR which states that the borrower started to work for [redacted] County on [redacted] to [redacted] as [redacted] Office. most likely bwr may changed the job title or have been promoted to another job title position. Please see the VOE attached. | 12/20/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358086 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide corrected [redacted]with accurate dates of employment for the borrower since third party documentation (VVOE/TWN) does not match the [redacted]. |  |  |  | Reviewer Comment (2023-12-21): Exception Cleared: Received HR letter from [redacted] county to verify correct start date.<br>Buyer Comment (2023-12-15): [redacted] may have a correct starting date of hire from our borrower. We have VOE on file signed by HR which states that the borrower started to work for [redacted] County on [redacted] to [redacted] as [redacted] Office. most likely bwr may changed the job title or have been promoted to another job title position. Please see the VOE attached. | 12/21/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 14 (redacted) |  | 36358088 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Exception already added for missing [redacted] & [redacted] Final document. |  |  |  | Reviewer Comment (2023-12-21): Similar exception(s) have been set. | 12/21/2023 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 15 (redacted) |  | 36358093 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted]form should have been used. | The transaction is a same lender refinance requiring and H-[redacted] RTC, however, the file contains an H-[redacted] RTC. |  |  |  | Buyer Comment (2024-05-23): Approved |  |  | 05/23/2024 | 2 B |  | AZ | Primary | Refinance - Cash-out - Home Improvement | 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 |
| (redacted) | 17 (redacted) |  | 36358101 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ |  |  |  |  | Buyer Comment (2024-09-16): Approve<br>Buyer Comment (2024-09-10): Images [redacted] and [redacted] are dated [redacted] and signed [redacted]. Please reference image reviewer is referring to. |  |  | 09/16/2024 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358102 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The loan file does not document delivery of the appraisal to the Borrower within [redacted] business days of closing. |  |  |  | Reviewer Comment (2024-09-13): Evidence of appraisal delivery receipt provided. Exception cleared<br>Buyer Comment (2024-09-11): Appraisal proof of delivery uploaded. | 09/13/2024 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358103 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal FACTA Disclosure not provided to borrower. |  |  |  | Buyer Comment (2024-09-10): Approve |  |  | 09/10/2024 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358104 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 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]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The loan file does not document delivery of the appraisal to the Borrower within [redacted] business days of closing. |  |  |  | Reviewer Comment (2024-09-13): Evidence of appraisal delivery receipt provided. Exception cleared<br>Buyer Comment (2024-09-11): Appraisal proof of delivery uploaded. | 09/13/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358105 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The Appraisal was not provided to the borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2024-09-13): Evidence of appraisal delivery receipt provided. Exception cleared<br>Buyer Comment (2024-09-11): Appraisal proof of delivery uploaded. | 09/13/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358107 |  | 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 ___. | Maximum LTV for loan program is [redacted]% (for credit score of [redacted]) LTV for subject is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Residual income is >$[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 17 (redacted) |  | 36358109 |  | 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]. Insufficient or no cure was provided to the borrower. | The credit report fee increased to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-16): [redacted] received corrected PCCD and LOE.<br>Buyer Comment (2024-09-12): PCCD and LOE uploaded.<br>Reviewer Comment (2024-09-11): [redacted] received rebuttal, CD and closing statement, however at final signed CD cure was not provided and PCCD received same issue date as final CD. Please provide corrected PCCD and LOE.<br>Buyer Comment (2024-09-10): Funder CD and Final SS reflecting cure done at closing. |  | 09/16/2024 |  | 2 C B |  | MO | 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 |
| (redacted) | 17 (redacted) |  | 36358110 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Maximum LTV for loan program is [redacted]% (for credit score of [redacted]) LTV for subject is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Residual income is >$[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358116 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | [redacted] Valuations Rule (Dodd-Frank 2014): 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 (Report Date [redacted]) to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-09): Proof of appraisal delivery receipt received and updated .Exception cleared<br>Buyer Comment (2024-12-06): Please see proof of appraisal been delivered to our borrower attached | 12/09/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358117 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] 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]%, 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 (2024-12-09): Proof of appraisal delivery receipt received and updated .Exception cleared<br>Buyer Comment (2024-12-06): Please see proof of appraisal been delivered to our borrower attached | 12/09/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358118 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation (Report Date [redacted]) to applicant [redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-09): Proof of appraisal delivery receipt received and updated .Exception cleared<br>Buyer Comment (2024-12-06): Please see proof of appraisal been delivered to our borrower attached | 12/09/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358119 |  | 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 - Examination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-02): Sufficient Cure Provided At Closing |  | 12/02/2024 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 18 (redacted) |  | 36358121 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of [redacted]% exceeds [redacted]% allowed by Guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>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]%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-11): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-03-11): Updated [redacted] with additional mitigating CFs uploaded.<br>Reviewer Comment (2025-03-10): Please provide additional compelling compensating factors to downgrade and waive the exception. Discussed with [redacted].<br>Buyer Comment (2025-03-06): An exception was approved on the file for DTI. UW noted the [redacted] that "[redacted]approved DTI exception." The comp factor cited is over [redacted] LTV under the requirement, The max LTV was [redacted] and this is [redacted]. Please see The Non-Agency Loan Approval attached. |  |  | 03/11/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358122 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-03-12): Loan is NonQM.<br>Buyer Comment (2025-03-11): Updated [redacted] with additional mitigating CFs uploaded.<br>Reviewer Comment (2025-03-10): Please provide additional compelling compensating factors to downgrade and waive the exception. Discussed with [redacted].<br>Buyer Comment (2025-03-06): An exception was approved on the file for DTI. UW noted the [redacted] that "[redacted]approved DTI exception." The comp factor cited is over [redacted] LTV under the requirement, The max LTV was [redacted] and this is [redacted]. Please see The Non-Agency Loan Approval attached. | 03/12/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 18 (redacted) |  | 36358123 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted]-B.) |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-12): System cleared after Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-03-12): Regraded to [redacted] based on sufficient compensating factors.<br>Buyer Comment (2025-03-11): Updated [redacted] with additional mitigating CFs uploaded.<br>Reviewer Comment (2025-03-10): Please provide additional compelling compensating factors to downgrade and waive the exception. Discussed with [redacted].<br>Buyer Comment (2025-03-06): An exception was approved on the file for DTI. UW noted the [redacted] that "[redacted]approved DTI exception." The comp factor cited is over [redacted] LTV under the requirement, The max LTV was [redacted] and this is [redacted]. Please see The Non-Agency Loan Approval attached. |  |  | 03/12/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds allowable. |  |  |  | Reviewer Comment (2025-03-11): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-03-11): Updated [redacted] with additional mitigating CFs uploaded.<br>Reviewer Comment (2025-03-10): Please provide additional compelling compensating factors to downgrade and waive the exception. Discussed with [redacted].<br>Buyer Comment (2025-03-06): An exception was approved on the file for DTI. UW noted the [redacted] that "[redacted]approved DTI exception." The comp factor cited is over [redacted] LTV under the requirement, The max LTV was [redacted] and this is [redacted]. Please see The Non-Agency Loan Approval attached.<br>Reviewer Comment (2025-03-04): Please provide additional compelling compensating factors to downgrade and waive the exception. | 03/11/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 36358125 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-03-25): Post Disaster Inspection report document received and associated. Exception Cleared.<br>Buyer Comment (2025-03-24): Disaster reinspection uploaded. | 03/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36358126 |  | 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 |  | Appraisal effective date is [redacted] and Desk Review effective date is [redacted]. |  |  |  | Reviewer Comment (2025-05-07): per lender the CDA was for an earlier appraisal completed that was not in their name and that no transfer letter was provided and it was not used in LTV calculations, exception cleared.<br>Reviewer Comment (2025-05-06): Appraisal effective date is [redacted] and Desk Review effective date is [redacted]. Both appraisals should have the same effective date. Exception remains open.<br>Buyer Comment (2025-05-02): The referenced document satisfies the guidelines. Per guidelines: "The Appraisal Review Process requires a secondary due diligence product to <br> support the appraised value for the transaction. Acceptable products, subject to <br> the restrictions below include:<br> • Fannie Mae Collateral Underwriter (CU) score of [redacted] or lower<br> • Desk Review (must contain a value and comparative sales data to <br> support the valuation result)<br> • Field Review<br> • [redacted]Full Appraisal (Note: appraisals must be completed by <br> different, independent appraisers and the lower of the [redacted]<br> appraised values used to determine value)<br> • Review by [redacted] Capital Management ([redacted])"<br>Reviewer Comment (2025-05-02): Provided report is not a CDA and was not the report used at origination. Exception remains.<br>Buyer Comment (2025-04-30): See attached, page [redacted], effective date is [redacted]. | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36358127 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-05-02): Delivery provided, system cleared.<br>Buyer Comment (2025-04-30): Delivery log attached. | 05/02/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36358130 |  | 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]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-05-14): [redacted] Received Letter of Explanation, payment history and Corrected CD.<br>Buyer Comment (2025-05-13): Completed cure attached. |  | 05/14/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 19 (redacted) |  | 36358131 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than the guideline allowable limit of [redacted] score. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors. |  |  | 04/23/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36358132 |  | 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 of [redacted]% is greater than the guideline max of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors. |  |  | 04/23/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36358134 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2025-05-14): Approve |  |  | 05/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 22 (redacted) |  | 36358145 |  | 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]. Insufficient or no cure was provided to the borrower. | The Title - Endorsement Fee increased on the closing disclosure to $[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received PCCD, LOE and payment history<br>Buyer Comment (2025-09-15): CD on [redacted] shows PC CD with PR cure of $[redacted], [redacted]is the LOE sent to borrower with PC CD, and [redacted]is the pay history |  | 09/16/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 22 (redacted) |  | 36358147 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-16): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/16/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 36358151 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-17): Updated, exception cleared.<br>Buyer Comment (2025-09-16): See attached escrow instructions, page [redacted], title policy amount was increased. | 09/17/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 36358154 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-09-17): [redacted] Received Valid COC along with supporting comments on the exception.<br>Buyer Comment (2025-09-16): See loan approval pages [redacted] and [redacted] of [redacted]. An underwriting exception was approved on [redacted] which impacted price. That price impact resulted in a reduction in the lender credit to compensate so the final interest rate remained the same. This was disclosed timely and is a valid COC. | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 36358156 |  | 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 ___. |  | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Residual income > $[redacted].<br>Low housing ratio of [redacted] % or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-10): Lender exception with compensating factors. |  |  | 09/10/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 36358157 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to not meting reserve requirement. |  |  |  | Reviewer Comment (2025-09-10): Lender exception with compensating factors, system cleared. | 09/10/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 36358158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to not meting reserve requirement. |  |  |  | Reviewer Comment (2025-09-10): Lender exception with compensating factors, system cleared. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 36358159 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Residual income > $[redacted].<br>Low housing ratio of [redacted] % or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-10): Lender exception with compensating factors. |  |  | 09/10/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 36358160 |  | 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]. Insufficient or no cure was provided to the borrower. | The credit report fee increased to $[redacted] without a valid change of circumstance (no reason given for why the fee was added). Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-09-16): $[redacted]already cured, see attached. | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 36358161 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/17/2025 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 25 (redacted) |  | 36358162 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-09-17): Document provided, exception cleared.<br>Buyer Comment (2025-09-16): Taxpayer consent uploaded. | 09/17/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 36358164 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): Proof of initial appraisal, initial appraisal delivered and revised appraisal delivered to borrower uploaded. | 09/17/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 36358165 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] 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]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): Proof of initial appraisal, initial appraisal delivered and revised appraisal delivered to borrower uploaded. | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 36358166 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): Proof of initial appraisal, initial appraisal delivered and revised appraisal delivered to borrower uploaded. | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 36358168 |  | 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 ___. | As per Guideline [redacted] months reserve required. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Lender exception with compensating factors. |  |  | 09/10/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 36358169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to assets are insufficient to satisfy reserve requirements. |  |  |  | Reviewer Comment (2025-09-10): Lender exception with compensating factors, system cleared. | 09/10/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 25 (redacted) |  | 36358170 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Assets are insufficient to satisfy reserve requirements. |  |  |  | Reviewer Comment (2025-09-10): Lender exception with compensating factors, system cleared. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 27 (redacted) |  | 36358178 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal receipt missing on file |  |  |  | Reviewer Comment (2025-09-16): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): Appraisal proof of delivery uploaded. | 09/16/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Home Improvement | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 27 (redacted) |  | 36358180 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 28 (redacted) |  | 36358185 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was added on closing disclosure issued [redacted] with no valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-09-17): [redacted] is CD showing cure on final page, [redacted]is LOE to borrower, [redacted]is pay history. | 09/18/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 28 (redacted) |  | 36358186 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/18/2025 |  | 1 A |  | NY | 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 |
| (redacted) | 29 (redacted) |  | 36358188 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Provide the audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Could you please kindly review this exception and/or escalate it to your team lead or spv? Per the guidelines attached, the YTD P&L statements are required when is more than [redacted] days have passed since the end of the most recent calendar or fiscal year. The P&L statements are from May [redacted] to April [redacted] no more than [redacted] days from the calendar year. Please see attached P&L statements. | 09/29/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 29 (redacted) |  | 36358189 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable [redacted]-party records. | Provide the audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Could you please kindly review this exception and/or escalate it to your team lead or spv? Per the guidelines attached, the YTD P&L statements are required when is more than [redacted] days have passed since the end of the most recent calendar or fiscal year. The P&L statements are from May [redacted] to April [redacted] no more than [redacted] days from the calendar year. Please see attached P&L statements. | 09/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 36358190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Provide the audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Could you please kindly review this exception and/or escalate it to your team lead or spv? Per the guidelines attached, the YTD P&L statements are required when is more than [redacted] days have passed since the end of the most recent calendar or fiscal year. The P&L statements are from May [redacted] to April [redacted] no more than [redacted] days from the calendar year. Please see attached P&L statements. | 09/29/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 36358191 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide the audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared. | 09/29/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 36358193 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Could you please kindly review this exception and/or escalate it to your team lead or spv? Per the guidelines attached, the YTD P&L statements are required when is more than [redacted] days have passed since the end of the most recent calendar or fiscal year. The P&L statements are from May [redacted] to April [redacted] no more than [redacted] days from the calendar year. Please see attached P&L statements. | 09/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 36358194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing audited YTD P&L. |  |  |  | Reviewer Comment (2025-09-29): Cleared. | 09/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 36358195 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing audited YTD P&L |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Could you please kindly review this exception and/or escalate it to your team lead or spv? Per the guidelines attached, the YTD P&L statements are required when is more than [redacted] days have passed since the end of the most recent calendar or fiscal year. The P&L statements are from May [redacted] to April [redacted] no more than [redacted] days from the calendar year. Please see attached P&L statements. | 09/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 32 (redacted) |  | 36358208 |  | 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 Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-06): PCCD, LOE and payment history reflecting [redacted] uploaded. | 10/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 32 (redacted) |  | 36358209 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/07/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| (redacted) | 34 (redacted) |  | 36358219 |  | 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 borrower. | [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 borrower.[redacted] |  |  |  | Reviewer Comment (2025-10-22): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-21): PCCD, LOE and payment history reflecting [redacted] uploaded.<br>Reviewer Comment (2025-10-09): [redacted] received COC dated [redacted] which was already in file for review however, the overall increase in fee is less than [redacted] % the title - insurance fee was increased by $[redacted] . The other title charges are also increased for which no COC was available in file. The baseline of [redacted] % fees are $[redacted] and total fees charged at closing is $[redacted] . Required cure is $[redacted] . Cure provided at closing is $[redacted] remaining to cure $[redacted] . Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-08): Please see COC reflecting increased loan amount, increasing lender's title and re-baseline. New baseline $[redacted] \* [redacted] % = $[redacted] . Total [redacted] % fees charged to borrower $[redacted] . Cure required of $[redacted] . Please review and confirm in order to proceed with processing the cure. |  | 10/22/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 34 (redacted) |  | 36358220 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying ratios of [redacted]or less<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-02): Lender Exception with Compensating Factors. |  |  | 10/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 34 (redacted) |  | 36358221 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying ratios of [redacted]or less<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-02): Lender Exception with Compensating Factors. |  |  | 10/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 34 (redacted) |  | 36358223 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Loan exceeds maximum LTV and credit score lower than required minimum. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying ratios of [redacted]or less<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-02): Lender Exception with Compensating Factors. |  |  | 10/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358224 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-22): The credit report shows the bankruptcy was discharged [redacted] . No additional documentation is required by guidelines. | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358225 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  | Asset Document date is more than [redacted] days prior to the Note date or notary date. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Residual income is greater than $[redacted] .<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-10-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-21): This appears to be a duplicate of finding [redacted] . |  |  | 10/28/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358228 |  | 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 Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Reviewer Comment (2025-10-23): [redacted] Received Corrected [redacted] , [redacted]and Payment history; however, [redacted] shows principal reduction as $[redacted] and pay history reflects [redacted] . Please provide payment history for full amount $[redacted] .<br>Buyer Comment (2025-10-22): Cure already complete; attached. | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 35 (redacted) |  | 36358230 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Asset Document date is more than [redacted] days prior to the Note date or notary date. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Residual income is greater than $[redacted] .<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-10-13): Client elects to waive with compensating factors. |  |  | 10/13/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358231 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient funds provided for reserves. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Residual income is greater than $[redacted] .<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-10-13): Client elects to waive with compensating factors. |  |  | 10/13/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358232 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient funds provided for reserves. |  |  |  | Reviewer Comment (2025-10-13): Lender exception with compensating factors, system cleared. | 10/13/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 35 (redacted) |  | 36358233 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to insufficient funds provided for reserves. |  |  |  | Reviewer Comment (2025-10-13): Lender exception with compensating factors, system cleared. | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358234 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient funds provided for reserves. |  |  |  | Reviewer Comment (2025-10-13): Lender exception with compensating factors, system cleared. | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 35 (redacted) |  | 36358235 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/28/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 37 (redacted) |  | 36358241 |  | 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 Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 37 (redacted) |  | 36358242 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted] % exceeds Guideline total debt ratio of [redacted] %. |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-21): uploaded business bank statements supporting [redacted] and ford accts paid through business and excluded from DTI | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 36358243 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax and insurance verification documentation for primary residence. |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-20): please see attached taxes and insurance for [redacted] | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 36358244 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated investor qualifying total debt ratio of [redacted] % exceeds Guideline total debt ratio of [redacted] % Missing tax and insurance verification documentation for primary residence |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-21): uploaded business bank statements supporting [redacted] and ford accts paid through business and excluded from DTI | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes |
| (redacted) | 37 (redacted) |  | 36358245 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing tax and insurance verification documentation for primary residence. |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-20): please see attached taxes and insurance for[redacted] | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 36358246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] % moderately exceeds the guideline maximum of [redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [redacted] % exceeds Guideline total debt ratio of [redacted] %. |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-21): uploaded business bank statements supporting [redacted] and ford accts paid through business and excluded from DTI | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 36358247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing tax and insurance verification documentation for primary residence. |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-20): please see attached taxes and insurance for [redacted] | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 37 (redacted) |  | 36358248 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax and insurance verification documentation for primary residence |  |  |  | Reviewer Comment (2026-01-26): Cleared.<br>Buyer Comment (2026-01-20): please see attached taxes and insurance for [redacted] | 01/26/2026 |  |  | 1 A |  | NY | Second Home | Purchase | A | Non QM | Non QM | No |
| (redacted) | 38 (redacted) |  | 36358254 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Lender Credits was disclosed on initial Loan estimate as $-[redacted] but disclosed but final Closing Disclosure $[redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 A |  | PA | Primary | Purchase | A B | Non QM | Non QM | Yes |
| (redacted) | 38 (redacted) |  | 36358255 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-29): Lender requests to waive this exception. |  |  | 10/29/2025 | 2 B |  | PA | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 38 (redacted) |  | 36358257 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-29): Lender requests to waive this exception. |  |  | 10/29/2025 | 2 B |  | PA | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358262 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): [redacted]<br>Reviewer Comment (2025-10-28): APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of [redacted] [redacted]. Non-Compliant Higher Priced Mortgage Loan. Exception remains open.<br>Buyer Comment (2025-10-24): [redacted] | 11/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358265 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verbal verification of employment is required within [redacted] business days from the note date. |  |  |  | Reviewer Comment (2025-10-28): Received VOE for borrower employment, Exception cleared.<br>Buyer Comment (2025-10-24): Attached. | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358266 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE dated within [redacted] days of note. |  |  |  | Reviewer Comment (2025-10-28): Received VOE for borrower employment, Exception cleared.<br>Buyer Comment (2025-10-24): Attached to [redacted] | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing VOE dated within [redacted] days of note. |  |  |  | Reviewer Comment (2025-10-28): Received VOE for borrower employment, Exception cleared.<br>Buyer Comment (2025-10-24): Attached to [redacted] | 10/28/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 40 (redacted) |  | 36358268 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing VOE dated within [redacted] days of note. |  |  |  | Reviewer Comment (2025-10-28): Received VOE for borrower employment, Exception cleared.<br>Buyer Comment (2025-10-24): Attached to [redacted] | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358269 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing VOE dated within [redacted] days of note. |  |  |  | Reviewer Comment (2025-10-28): Received VOE for borrower employment, Exception cleared.<br>Buyer Comment (2025-10-24): Attached to [redacted] | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358270 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Calculated borrower's own funds of [redacted] % is less than Guideline required borrower's own funds of [redacted] %. |  |  |  | Reviewer Comment (2025-11-06): Cleared<br>Buyer Comment (2025-10-29): Borrower sold a different property and paid the funds to close on this transaction using the proceeds. See attached. All funds used are the borrower's own.<br>Reviewer Comment (2025-10-28): Calculated borrower's own funds of [redacted] is less than Guideline required borrower's own funds of [redacted] and No supportive document received for borrower own funds increase. Exception Remains.<br>Buyer Comment (2025-10-23): Requesting clarification. Funds to close were paid with proceeds from sale of different property. | 11/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358271 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-10-23): Concur |  |  | 10/23/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 40 (redacted) |  | 36358272 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-31): Attached<br>Reviewer Comment (2025-10-28): Proof of Appraisal delivery report document is not available in file for Appraisal Report date [redacted]. Exception Remains.<br>Buyer Comment (2025-10-23): Attached original appraisal and delivery. | 11/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 41 (redacted) |  | 36358278 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section[redacted] Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing. | Itemized Disclosure missing in file. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-24): CD with itemized fees signed by borrower [redacted] before consummation uploaded. | 10/28/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Non QM | Non QM | Yes |
| (redacted) | 41 (redacted) |  | 36358279 |  | 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 borrower. | Lender credit was disclosed on initial Loan estimate as $-[redacted] but disclosed but final Closing Disclosure $-[redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-31): [redacted] received rebuttal and COC documents suffice<br>Buyer Comment (2025-10-29): Lender credits on LE Dated [redacted] shows lender credit of [redacted]. Initial C[redacted] shows lender credit reduced to [redacted] as a result of COC for rate lock/extension. Finally, CD dated [redacted] shows lender credit of [redacted] and this is a result of another COC for rate lock/extension. The lender credit then does not change through final CD. See COC docs [redacted] and [redacted]<br>Reviewer Comment (2025-10-27): [redacted] received rebuttal, However, if the creditor subsequently reduces the specific lender credit by[redacted] because the recording fee decreased by [redacted], then the creditor has a [redacted] - tolerance standard violation because, although the amount of the recording fee removed, the amount of the lender paid decreased. (Comment [redacted] (e)([redacted])(i)-[redacted]). Cure would be required. Lender credit is separate fee from recording fee and is tested separately. No valid changed circumstance provided for reduction in lender paid fee. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[redacted] and proof of mailing<br>Buyer Comment (2025-10-24): COC for rate lock uploaded. | 10/31/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 42 (redacted) |  | 36358283 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet the reserve requirements (Guidelines require [redacted] months, borrower has verified [redacted] months). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Documentation Type: [redacted] Full Doc<br> Disposable Income: $[redacted]<br>Low housing ratio of [redacted] % or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 43 (redacted) |  | 36358288 |  | 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 borrower. | Endorsement fee of $[redacted] , Lender Title insurance fee of $[redacted] and recording fee $[redacted] exceeds plus [redacted] % over legal limit. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) for the fees are exceeds over [redacted]% tolerance resulting in a cleared exception.<br>Buyer Comment (2025-11-03): [redacted] is CD showing cure for [redacted] on [redacted] | 11/05/2025 |  |  | 1 C A |  | LA | 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 |
| (redacted) | 43 (redacted) |  | 36358289 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided within 60 Days of Closing |  | 11/05/2025 |  | 1 A |  | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 44 (redacted) |  | 36358293 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-11-13): [redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-11-12): PCCD, LOE and payment history reflecting PR uploaded.<br>Buyer Comment (2025-11-12): [redacted], [redacted]and payment history reflecting PR uploaded. |  | 11/13/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 46 (redacted) |  | 36358298 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-11-12): accept |  |  | 11/12/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 36358306 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-12-03): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-12-02): LOE, PCCD, and payhistory uploaded.<br>Reviewer Comment (2025-11-13): [redacted] received rebuttal comment that LE dated [redacted] is from another lender. However, the LE cannot be removed from testing without providing a denial/cancellation letter from the previous lender as the file contains the initial disclosers and intent to proceed dated [redacted] for [redacted]. Please provide denial/cancellation letter from previous lender to remove LE from testing.<br>Buyer Comment (2025-11-12): Initial LE [redacted] shows this LE is from another lender. true original LE uploaded and shows. UW fee of [redacted]. cure not required. |  | 12/03/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 47 (redacted) |  | 36358307 |  | 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 Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided after closing (on final PCCD) within [redacted] days from consummation and prior to the discovery date resulting in a cleared exception.<br>Buyer Comment (2025-11-12): CD [redacted] shows sufficient cures on [redacted] | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 47 (redacted) |  | 36358308 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided after closing (on final PCCD) within [redacted] from consummation and prior to the discovery date resulting in a cleared exception.<br>Buyer Comment (2025-11-12): CD [redacted] shows sufficient cures on pages [redacted] | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 47 (redacted) |  | 36358310 |  | 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 ___. | Borrower does not meet the [redacted] month reserve requirement. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] . | Residual income greater than $[redacted] . | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 36358311 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower does not meet the [redacted] month reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors, system cleared. | 03/30/2026 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 47 (redacted) |  | 36358312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower does not meet the [redacted] month reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors, system cleared. | 03/30/2026 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 36358313 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower does not meet the [redacted] month reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors, system cleared. | 03/30/2026 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 47 (redacted) |  | 36358314 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the [redacted] month reserve requirement. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] . | Residual income greater than $[redacted] . | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 36358318 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address match with the note address, however "XXX" added in the insurance address which was not in the note document. |  |  |  | Reviewer Comment (2026-01-12): Cleared.<br>Buyer Comment (2026-01-08): Correction recorded | 01/12/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 36358319 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception to use FICO of [redacted] for cash out proceeds for reserves, minimum required per guides is [redacted] . | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Residual income is greater than $[redacted] . | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-10): Client elects to waive with compensating factors. |  |  | 11/10/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 36358320 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender exception to use FICO of [redacted] for cash out proceeds for reserves, minimum required per guides is [redacted] . | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Residual income is greater than $[redacted] . | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-10): Client elects to waive with compensating factors. |  |  | 11/10/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 36358321 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-14): Correction attached. | 01/15/2026 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 48 (redacted) |  | 36358322 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate subject address does not match Note address. |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-14): [redacted] | 01/15/2026 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 49 (redacted) |  | 36358326 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for soft credit report pulled [redacted] days within consummation, guidelines require soft credit report pulled within [redacted] days of consummation.<br>Compensating factors:<br> Category A: Substantial Cash Reserves<br> Category A: Additional Income received [redacted] + year not included in ratios<br> Category A: Total Monthly payment savings of $[redacted] or more per month. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>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.<br>Miscellaneous<br>Miscellaneous | Substantial cash reserves.<br>Additional income received [redacted] + year not included in the ratios.<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-11-11): Client elects to waive with compensating factors. |  |  | 11/11/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 50 (redacted) |  | 36358329 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-11-19): Fraud report received.<br>Buyer Comment (2025-11-13): Fraud Report uploaded. | 11/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 50 (redacted) |  | 36358332 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-11-19): Fraud report received.<br>Buyer Comment (2025-11-13): Fraud Report uploaded. | 11/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 51 (redacted) |  | 36358335 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | Bankruptcy chapter [redacted] was recently discharged on [redacted] . Waiting period is not met. |  |  |  | Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): This is a Credit Grade C loan, for which there is no required waiting period after bankruptcy discharge. | 11/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 51 (redacted) |  | 36358337 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-11-20): Sufficient cure provided. Full cure amount for tolerance violation was provided after closing (on PCCD) and before discovery date resulting in a cleared exception.<br>Buyer Comment (2025-11-19): Already cured, PCCD shows credit on page [redacted] in [redacted]. Attached is internal records showing the principal reduction. | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 51 (redacted) |  | 36358338 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-03): Cleared.<br>Reviewer Comment (2025-11-25): [redacted] COC document require in order to clear this exception. Please provide COC for mortgage broker fee increased on CD [redacted].<br>Buyer Comment (2025-11-24): This COC occurred on a Closing Disclosure, which does not require the cover letter breaking out the change in circumstance. That cover letter is required only on a loan estimate.<br>Reviewer Comment (2025-11-20): [redacted] received rebuttal comment and agree with that but there is no COC present in file to re-baseline the fee, Please provide a valid COC and exception will be re-reviewed.<br>Buyer Comment (2025-11-19): The loan amount changed from [redacted] on [redacted], when the new broker fee was disclosed. This is a valid COC. | 12/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 52 (redacted) |  | 36358342 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | [redacted] Constitution Section 50(a)(6): Loan did not close at office of lender, attorney or title company. | Loan did not close at office of lender, attorney or title company. |  |  |  | Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): what is required to clear this exception and what is driving this exception? Please provide details, thank you | 11/21/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| (redacted) | 52 (redacted) |  | 36358343 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-20): [redacted] received COC dated [redacted]<br>Buyer Comment (2025-11-19): Lock changing loan from lender paid to borrower paid comp, COC and disclosure tracking supporting borrower's receipt of updated CD | 11/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 52 (redacted) |  | 36358345 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total [redacted] discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | HUD-1 total [redacted] of $[redacted] is greater than Guideline total [redacted] of $[redacted] . | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more.<br>Miscellaneous | [redacted] + years on job.<br>Total monthly payment savings of $[redacted] or more per month.<br>Residual income greater than $[redacted] . | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2025-11-13): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 53 (redacted) |  | 36358350 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Qualifying FICO [redacted] and guidelines required [redacted] , Lender exception provided. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more.<br>Miscellaneous | Substantial cash reserves.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month.<br>Additional income received [redacted] + year not included in the ratios. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-27): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 03/27/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 53 (redacted) |  | 36358352 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. |  |  |  |  | Buyer Comment (2025-11-18): . |  |  | 11/18/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 53 (redacted) |  | 36358353 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds max allowable of [redacted] %. Lender exception was found in the file but the compensating factors listed were not compelling enough to downgrade the exception. |  |  |  | Reviewer Comment (2025-11-25): Loan is Non-QM.<br>Buyer Comment (2025-11-20): Additional comp factors used in consideration were not described on approval. Per commentary [redacted]. Both borrowers are receiving Social Security Benefits. B1 is also employed by the [redacted] Postal Service, but <br> the income has declined, current YTD is $[redacted] and is not being used for qualifying purposes <br> 3. Borrowers are paying off a 1st TD, a HUD lien, debts and receiving cash in hand with an overall monthly <br> savings of [redacted] | 11/25/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 53 (redacted) |  | 36358354 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] % significantly exceeds the guideline maximum of [redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to [redacted] | DTI exceeds max allowable of [redacted] %. Lender exception was found in the file but the compensating factors listed were not compelling enough to downgrade the exception. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more.<br>Miscellaneous | Substantial cash reserves.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month.<br>Additional income received [redacted] + year not included in the ratios. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-11-25): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-20): Please see [redacted] |  |  | 11/25/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 53 (redacted) |  | 36358355 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds max allowable of [redacted] %. Lender exception was found in the file but the compensating factors listed were not compelling enough to downgrade the exception. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more. | Substantial cash reserves.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-25): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-20): Please see [redacted]<br>Reviewer Comment (2025-11-12): x<br>Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/25/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 53 (redacted) |  | 36358356 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds max allowable of [redacted] %, FICO does not meet guidelines requirement of [redacted] . |  |  |  | Reviewer Comment (2025-11-25): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-11-20): Please see [redacted]<br>Reviewer Comment (2025-11-12): x<br>Reviewer Comment (2025-11-12): Lender exception with compensating factors, system cleared. | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 53 (redacted) |  | 36358357 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | FICO less than guideline requirement. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more.<br>Miscellaneous | Substantial cash reserves.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month.<br>Additional income received [redacted] + year not included in the ratios. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-03-30): Amending originator compensating factors.<br>Reviewer Comment (2026-03-27): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 57 (redacted) |  | 36358368 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary valuation is not required as Appraised Value is supported. |  |  |  | Buyer Comment (2025-12-03): accept |  |  | 12/03/2025 | 2 A B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 57 (redacted) |  | 36358369 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted] business days to closing. |  |  |  | Buyer Comment (2025-12-03): Accept |  |  | 12/03/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 58 (redacted) |  | 36358374 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus [redacted] or [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-21): Sufficient Cure Provided within [redacted] of Closing |  | 11/21/2025 |  | 1 A |  | NV | 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 |
| (redacted) | 59 (redacted) |  | 36358376 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification and Insurance verification documents are missing for REO property [redacted] |  |  |  | Reviewer Comment (2025-12-11): Tax document provided, exception cleared.<br>Buyer Comment (2025-12-10): Attached tax info and confirmation of parcel number for address.<br>Reviewer Comment (2025-12-04): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Reviewer Comment (2025-12-04): Insurance and [redacted] verification documentation received, however documentation for tax verification is missing.<br>Buyer Comment (2025-12-03): Attached | 12/11/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 36358379 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted] , or [redacted] . Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted] , or 7[redacted] . Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): appraisal delivery | 11/28/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 36358380 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Proof of receipt is not provided within [redacted] prior to closing |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): appraisal delivery | 11/28/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 36358383 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Post closing disclosures indicates a total in section G for the initial escrow payment at closing of [redacted]; however, the Initial Escrow Account Disclosure reflects an initial deposit of [redacted] |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): updated initial escrow account disclosure | 11/28/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 60 (redacted) |  | 36358384 |  | 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 guideline max of 65% for a FICO of [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Miscellaneous | [redacted] + on job.<br>Residual income is greater than [redacted] .<br>Substantial cash reserves.<br>Low housing ratio [redacted] % or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-11-20): Client elects to waive with compensating factors. |  |  | 11/20/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 36358386 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] prior to consummation. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): appraisal delivery uploaded | 11/28/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 61 (redacted) |  | 36358390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure:[redacted] Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-10): [redacted] received valid changed circumstance.<br>Buyer Comment (2025-12-09): COC uploaded | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 62 (redacted) |  | 36358392 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Deed of trust is missing pages [redacted] |  |  |  | Reviewer Comment (2025-12-10): SI provided, exception cleared.<br>Buyer Comment (2025-12-09): Complete Deed of Trust uploaded | 12/10/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 36358393 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | Borrower [redacted] declared in 1003 declarations that will not occupy the property as primary residence. There is no evidence that borrower [redacted] is a non-occupant. |  |  |  | Reviewer Comment (2025-12-10): Updated 1003 provided, exception cleared.<br>Buyer Comment (2025-12-09): updated 1003 uploaded | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 36358396 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was executed on H-8 format instead of H-9 in a same lender refinance. |  |  |  | Buyer Comment (2025-12-09): Accept |  |  | 12/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| (redacted) | 62 (redacted) |  | 36358398 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-12-10): Updated, exception cleared.<br>Buyer Comment (2025-12-10): Evidence of delivery uploaded. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 36358399 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] prior to consummation. |  |  |  | Reviewer Comment (2025-12-10): Updated, exception cleared.<br>Buyer Comment (2025-12-10): Evidence of delivery uploaded. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 63 (redacted) |  | 36358403 |  | 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 Issue Date Not Provided |  |  |  | Reviewer Comment (2025-12-11): [redacted] received comment stating incomplete CD were not used for testing.<br>Buyer Comment (2025-12-10): Document noted is settlement statement from settlement agent, not CD from [redacted]. Please see attached settlement statement (not required to be delivered to borrower) and our CD to verify difference in forms generated, specifically bottom of CD pages that include form number and loan number | 12/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| (redacted) | 63 (redacted) |  | 36358404 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] prior to closing. | Initial CD Issued less than [redacted] prior to closing and received by the borrower less than [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-12-11): [redacted] received comment for incomplete CD.<br>Buyer Comment (2025-12-10): Initial CD signed by borrower supporting receipt of disclosure | 12/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 36358412 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | The Borrower is short the required [redacted] reserves for the subject property and additional [redacted] for each additional property owned. |  |  |  | Reviewer Comment (2025-12-15): Additional assets provided, exception cleared.<br>Buyer Comment (2025-12-15): CD showing cash-out that adds [redacted] to reserves. | 12/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 66 (redacted) |  | 36358413 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower is short the required [redacted] reserves for the subject property and additional [redacted] for each additional property owned. |  |  |  | Reviewer Comment (2025-12-15): Additional assets provided, exception cleared.<br>Buyer Comment (2025-12-15): CD showing cash-out that adds [redacted] to reserves. | 12/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 67 (redacted) |  | 36358416 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Appraisal delivery in file is dated [redacted] and report in file is dated [redacted] |  |  |  | Buyer Comment (2025-12-15): Accept |  |  | 12/15/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 67 (redacted) |  | 36358417 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a statement for REO property [redacted] |  |  |  | Reviewer Comment (2025-12-15): CD from purchase uploaded, exception cleared.<br>Buyer Comment (2025-12-15): [redacted] is new purchase. borrower did not yet receive a statement at the time of this loan. CD uploaded. | 12/15/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 68 (redacted) |  | 36358419 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The CPA letter in file does not state the they have prepared the borrower's most recent tax return as required by guidelines. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-29): Attached, CPA confirmed.<br>Reviewer Comment (2025-12-14): [redacted] of guidelines V [redacted] state: The tax preparer, EA or CPA must attest to having prepared the most recent tax returns.<br>Buyer Comment (2025-12-12): This does not appear to be a guideline requirement. Guidelines state: "A CPA letter must include the name of the business, the owner(s) of the business, and how long the business has been in existence." | 12/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| (redacted) | 69 (redacted) |  | 36358421 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of [redacted] are insufficient to meet cash to close of [redacted] |  |  |  | Reviewer Comment (2025-12-14): Additional statement provided, exception cleared.<br>Buyer Comment (2025-12-12): Updated Wright bank statement with balance [redacted] | 12/14/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 36358424 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted]<br>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] | Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted]or less.<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-27): Client elects to waive with compensating factors.<br>Buyer Comment (2026-01-27): form does not require or have a signature line, see [redacted] underwriting exception details: credit exception authorized date and approver which includes both the date and name of approver<br>Reviewer Comment (2026-01-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]<br>Reviewer Comment (2026-01-27): Trailing exception approval summary missing approval signature.<br>Buyer Comment (2026-01-15): Post Consummate Exception Approval for short reserve requirement<br>Reviewer Comment (2025-12-16): Verified assets=[redacted] CTC + EMD + POC[redacted] = $[redacted] Reserves [redacted]<br>Buyer Comment (2025-12-16): [redacted] months reserves<br>Reviewer Comment (2025-12-14): Business verification provided, reserves short with added asset documentation [redacted] vs [redacted] required.<br>Buyer Comment (2025-12-12): Updated [redacted] bank statement with balance [redacted] supporting sufficient reserves |  |  | 01/27/2026 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 36358425 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to reserves requirement not met in this loan file. |  |  |  | Reviewer Comment (2026-01-27): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-01-27): form does not require or have a signature line, see [redacted] underwriting exception details: credit exception authorized date and approver which includes both the date and name of approver<br>Reviewer Comment (2026-01-27): Trailing exception approval summary missing approval signature.<br>Buyer Comment (2026-01-15): Post Consummate Exception Approval for short reserve requirement<br>Reviewer Comment (2025-12-16): Verified assets=[redacted]. CTC + EMD + POC=[redacted] = [redacted] Reserves [redacted]<br>Buyer Comment (2025-12-16): [redacted] months reserves<br>Reviewer Comment (2025-12-14): Business verification provided, reserves short with added asset documentation [redacted] vs [redacted] required.<br>Buyer Comment (2025-12-12): Updated [redacted] bank statement with balance [redacted] supporting sufficient reserves | 01/27/2026 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 69 (redacted) |  | 36358426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline requirement not met due to reserves requirement not met. Therefore ATR risk failed. |  |  |  | Reviewer Comment (2026-01-27): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-01-27): form does not require or have a signature line, see [redacted] underwriting exception details: credit exception authorized date and approver which includes both the date and name of approver<br>Reviewer Comment (2026-01-27): Trailing exception approval summary missing approval signature.<br>Buyer Comment (2026-01-15): Post Consummate Exception Approval for short reserve requirement<br>Reviewer Comment (2025-12-16): Verified assets=[redacted]. CTC + EMD + POC=[redacted] = [redacted] Reserves [redacted]<br>Buyer Comment (2025-12-16): [redacted] months reserves<br>Reviewer Comment (2025-12-14): Business verification provided, reserves short with added asset documentation [redacted] vs [redacted] required.<br>Buyer Comment (2025-12-12): Updated [redacted] bank statement with balance [redacted] supporting sufficient reserves | 01/27/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 36358427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Borrower does not meet the [redacted] reserve requirement. |  |  |  | Reviewer Comment (2026-01-27): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-01-27): form does not require or have a signature line, see [redacted] underwriting exception details: credit exception authorized date and approver which includes both the date and name of approver<br>Reviewer Comment (2026-01-27): Trailing exception approval summary missing approval signature.<br>Buyer Comment (2026-01-15): Post Consummate Exception Approval for short reserve requirement<br>Reviewer Comment (2025-12-16): Verified assets=[redacted] CTC + EMD + POC=[redacted] = [redacted] Reserves [redacted]<br>Buyer Comment (2025-12-16): [redacted] months reserves<br>Reviewer Comment (2025-12-14): Business verification provided, reserves short with added asset documentation [redacted] vs [redacted] required.<br>Buyer Comment (2025-12-12): Updated [redacted] bank statement with balance [redacted] supporting sufficient reserves | 01/27/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 36358428 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The borrower does not meet the [redacted] reserve requirement. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted]<br>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] | Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted]or less.<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ...<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-01-27): Client elects to waive with compensating factors.<br>Buyer Comment (2026-01-27): form does not require or have a signature line, see [redacted] underwriting exception details: credit exception authorized date and approver which includes both the date and name of approver<br>Reviewer Comment (2026-01-27): Trailing exception approval summary missing approval signature.<br>Buyer Comment (2026-01-15): Post Consummate Exception Approval for short reserve requirement<br>Reviewer Comment (2025-12-16): Verified assets=[redacted] CTC + EMD + POC=[redacted] = [redacted] Reserves [redacted]<br>Buyer Comment (2025-12-16): [redacted] months reserves<br>Reviewer Comment (2025-12-14): Business verification provided, reserves short with added asset documentation [redacted] vs 6[redacted] required.<br>Buyer Comment (2025-12-12): VVOE evidence of active business within [redacted] of closing |  |  | 03/31/2026 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358430 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Appraisal report dated [redacted] and missing evidence of receipt. |  |  |  | Reviewer Comment (2025-12-15): Delivery provided, system cleared.<br>Buyer Comment (2025-12-15): appraisal delivery uploaded. | 12/15/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Appraisal report dated [redacted] and missing evidence of receipt. |  |  |  | Buyer Comment (2025-12-15): accept<br>Reviewer Comment (2025-12-15): Delivery of appraisal provided, missing delivery of secondary report.<br>Buyer Comment (2025-12-15): appraisal delivery uploaded. |  |  | 12/15/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358432 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] +[redacted], or [redacted] Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted] |  |  |  | Reviewer Comment (2025-12-15): Delivery provided, system cleared.<br>Buyer Comment (2025-12-15): appraisal delivery uploaded. | 12/15/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358433 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  | Reviewer Comment (2025-12-15): Delivery provided, system cleared.<br>Buyer Comment (2025-12-15): appraisal delivery uploaded. | 12/15/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358435 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | HOA fees is not included in escrowed payment. |  |  |  | Buyer Comment (2025-12-15): Accept |  |  | 12/15/2025 | 2 B |  | GA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 70 (redacted) |  | 36358436 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Issue Date [redacted] Loan Estimate signed on [redacted] |  |  |  | Reviewer Comment (2026-01-09): [redacted] received e-consent dated [redacted]<br>Buyer Comment (2026-01-08): e-consent with proper date uploaded.<br>Reviewer Comment (2025-12-17): [redacted] received esign document on [redacted]. The E- sign consent was agreed to before the application date.(approximately [redacted] prior) In order to accept an older pre-application dated e consent, provide the actual e consent agreement from [redacted] to determine that the consent was given for the relationship and not for the prior transaction only along with an attestation from the seller indicating the borrower never revoked their consent.<br>Buyer Comment (2025-12-17): see uploaded snip where the e consent form shows the date and time of signature.<br>Reviewer Comment (2025-12-16): [redacted] Received E-consent; however, provided E-Consent document does not specify when borrower consented to receive documents electronically. Provide earliest E-Consent document accepted by borrower.<br>Buyer Comment (2025-12-15): E Consent uploaded. | 01/09/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358438 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted] | [redacted]on job.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358439 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to Reserves requirement not met and DTI exceeds guideline maximum. |  |  |  | Reviewer Comment (2025-12-19): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] | 12/19/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 70 (redacted) |  | 36358440 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline requirement not met due to reserves requirement not met and DTI exceeds guideline maximum. |  |  |  | Reviewer Comment (2025-12-19): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] | 12/19/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358441 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Spousal Consent is missing. |  |  |  | Reviewer Comment (2025-12-16): Updated, exception cleared.<br>Buyer Comment (2025-12-15): This is not required in the state of [redacted]. See upload | 12/16/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted] (DTI Exception is eligible to be regraded with compensating factors.) | The DTI exceeds guideline requirement of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted] | [redacted]on job.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] (c)([redacted]) of [redacted] moderately exceeds the guideline maximum of [redacted] (DTI Exception is eligible to be regraded with compensating factors.)<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2025-12-19): Lender exception with compensating factors.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] |  |  | 03/30/2026 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The DTI exceeds the guideline maximum of [redacted] |  |  |  | Reviewer Comment (2025-12-19): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] | 12/19/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358444 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The DTI exceeds the guideline maximum of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted] | [redacted]on job.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted]<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-03-30): ...<br>Reviewer Comment (2025-12-19): Lender exception with compensating factors.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] |  |  | 03/30/2026 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 36358445 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The DTI exceeds the guideline maximum of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted] | [redacted]on job.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-03-30): ...<br>Reviewer Comment (2025-12-19): Lender exception with compensating factors.<br>Buyer Comment (2025-12-17): updated approval with added DTI exception included.<br>Reviewer Comment (2025-12-15): Updated with payoff of listed accounts DTI still slightly exceeds guidelines at [redacted]<br>Buyer Comment (2025-12-15): The payments listed on your liabilities section should be excluded due to them being paid off on this uploaded CD from a simultaneous transaction. This reduces the DTDI to [redacted] |  |  | 03/30/2026 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 71 (redacted) |  | 36358448 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] + [redacted], or [redacted]. Compliant Higher Priced Mortgage Loan. | Clarity calculated APR exceeds threshold of APR [redacted] |  |  |  | Reviewer Comment (2026-01-05): Cleared. | 01/05/2026 |  |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 36358450 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  | Buyer Comment (2025-12-15): Accept |  |  | 12/15/2025 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 36358451 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  | Buyer Comment (2025-12-15): Accept |  |  | 12/15/2025 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 36358452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report Re-Issue Fee was disclosed on initial Loan estimate as [redacted] but disclosed but final Closing Disclosure [redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-12-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-15): Cure check and PC CD with LOe uploaded. |  | 12/16/2025 |  | 2 C B |  | MN | 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 |
| (redacted) | 71 (redacted) |  | 36358453 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is in a rural area. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [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] | Low default risk with equity, LTV [redacted]lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-15): Lender exception with compensating factors.<br>Buyer Comment (2025-12-15): [redacted] is approval summary showing [redacted] approved the exception for rural property. |  |  | 12/15/2025 | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 71 (redacted) |  | 36358454 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is an HPML which cause a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-01-05): Cleared.<br>Buyer Comment (2025-12-30): Please see attached reflecting loan eligible for [redacted]. If reviewer disagrees, please provide values you are using to test.<br>Reviewer Comment (2025-12-16): Loan is reflecting as Higher Priced QM vs [redacted] [redacted]QM (APOR).<br>Buyer Comment (2025-12-15): Cure check and PC CD with LOe uploaded. | 01/05/2026 |  |  | 1 B A C |  | MN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 72 (redacted) |  | 36358458 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan file is missing evidence of insurance for the REO property. |  |  |  | Reviewer Comment (2025-12-21): Evidences of HOI provided for REO, system cleared.<br>Buyer Comment (2025-12-18): Please See [redacted] | 12/21/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 72 (redacted) |  | 36358459 |  | 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 borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file is missing evidence of insurance for the REO property. |  |  |  | Reviewer Comment (2025-12-21): Evidences of HOI provided for REO, system cleared.<br>Buyer Comment (2025-12-18): Please See [redacted] | 12/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 (redacted) |  | 36358460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan file is missing evidence of insurance for the REO property. |  |  |  | Reviewer Comment (2025-12-21): Evidences of HOI provided for REO, system cleared.<br>Buyer Comment (2025-12-18): Please See [redacted] | 12/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 (redacted) |  | 36358461 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing evidence of insurance for the REO property. |  |  |  | Reviewer Comment (2025-12-21): Evidences of HOI provided for REO, exception cleared.<br>Buyer Comment (2025-12-18): Attached. | 12/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 (redacted) |  | 36358463 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Executed copy of Affiliated Business Arrangement Disclosure document is not provided in file |  |  |  | Reviewer Comment (2025-12-14): Disclosure provided, exception cleared.<br>Buyer Comment (2025-12-12): initial and final business affiliated disclosures | 12/14/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 (redacted) |  | 36358467 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Buyer Comment (2026-01-05): Approve<br>Reviewer Comment (2025-12-21): Please provide for delivery of the [redacted] valuation dated [redacted] Delivery provided was already in file for appraisal.<br>Buyer Comment (2025-12-18): Attached. |  |  | 01/05/2026 | 2 B |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 (redacted) |  | 36358469 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan file is missing a mortgage statement for the departing residence and the CPA letter in file does not confirm the Borrower has been self employed for [redacted] or that the business has been in exis[redacted]ce for [redacted] |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Reviewer Comment (2025-12-21): Received business license for borrower to meet self employment history requirement, missing mortgage statement for the departing residence.<br>Buyer Comment (2025-12-18): [redacted] | 12/31/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 74 (redacted) |  | 36358470 |  | 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 borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file is missing a mortgage statement for the departing residence and the CPA letter in file does not confirm the Borrower has been self employed for [redacted] or that the business has been in exis[redacted]ce for [redacted] |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Reviewer Comment (2025-12-21): Received business license for borrower to meet self employment history requirement, missing mortgage statement for the departing residence.<br>Buyer Comment (2025-12-18): [redacted]<br>Buyer Comment (2025-12-18): Guidelines allow verification of business history "from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau." The real estate license is attached and confirms the [redacted] year history. | 12/31/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 (redacted) |  | 36358471 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan file is missing a mortgage statement for the departing residence and the CPA letter in file does not confirm the Borrower has been self employed for [redacted] or that the business has been in exis[redacted]ce for [redacted] |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Buyer Comment (2025-12-30): This information is on the credit supplement, see attached. Commentary confirms both taxes and insurance are included. There is no HOA payment.<br>Reviewer Comment (2025-12-30): Mortgage statement is required to verify P&I, also whether tax, insurance or other payments are escrowed or not. Other document reflecting/ specifying the breakdown are acceptable.<br>Buyer Comment (2025-12-23): Can you cite the guideline requiring the mortgage statement from the departing residence? The pay history is on credit report, uncertain why the statement would be needed and could not locate the guideline requiring it.<br>Reviewer Comment (2025-12-21): Received business license for borrower to meet self employment history requirement, missing mortgage statement for the departing residence.<br>Buyer Comment (2025-12-18): Can you cite the guideline requiring the mortgage statement from the departing residence? The pay history is on credit report, uncertain why the statement would be needed and could not locate the guideline requiring it. | 12/31/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 (redacted) |  | 36358472 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a mortgage statement for the departing residence and the CPA letter in file does not confirm the Borrower has been self employed for [redacted] or that the business has been in exis[redacted]ce for [redacted] |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Reviewer Comment (2025-12-21): Received business license for borrower to meet self employment history requirement, missing mortgage statement for the departing residence. | 12/31/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 (redacted) |  | 36358476 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] from transaction date of [redacted] | Transaction date discrepancy due to missing signed Final CD (mailbox rule applies for delivery). |  |  |  | Reviewer Comment (2025-12-22): Accurate material disclosures received on [redacted].<br>Reviewer Comment (2025-12-17): Transaction date discrepancy due to missing signed Final CD (mailbox rule applies for delivery). Final CD dated [redacted] not signed by borrower mailbox rule applies with receipt on [redacted]. Disbursement date [redacted]<br>Buyer Comment (2025-12-16): [redacted] was a holiday; COE [redacted], day [redacted]; disburse [redacted] after rescission period expired | 12/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| (redacted) | 75 (redacted) |  | 36358477 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Transaction date discrepancy due to missing signed Final CD (mailbox rule applies for delivery). |  |  |  | Reviewer Comment (2025-12-22): Accurate material disclosures received on [redacted].<br>Reviewer Comment (2025-12-17): Transaction date discrepancy due to missing signed Final CD (mailbox rule applies for delivery). Final CD dated [redacted] not signed by borrower mailbox rule applies with receipt on [redacted]. Disbursement date [redacted]<br>Buyer Comment (2025-12-16): [redacted] was a holiday; COE [redacted], day [redacted]; disburse [redacted] after rescission period expired | 12/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| (redacted) | 75 (redacted) |  | 36358478 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Missing receipt evidence of Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-12-14): Document received, system cleared.<br>Buyer Comment (2025-12-12): Flood notice | 12/14/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 36358479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  | Reviewer Comment (2025-12-14): Delivery provided, system cleared.<br>Buyer Comment (2025-12-12): Evidence of emailed delivery of appraisal report to borrower | 12/14/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 36358485 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]: Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] T-42 endorsement or the T-42.1 endorsement. (The loan is a [redacted] Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2025-12-17): Final title provided with reflected endorsements, exception cleared<br>Buyer Comment (2025-12-16): final title policy uploaded | 12/17/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 36358490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The borrower's business used for income has not been in business for [redacted]as required by guidelines and CPA does not confirm preparing the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): CPA letter showing use of business funds will not impact business negatively.<br>Reviewer Comment (2025-12-15): Document confirming CPA prepared borrower's most recent tax return received. Missing cash flow or CPA letter for use of business funds reflecting this will not have a negative impact on the business.<br>Buyer Comment (2025-12-15): CPA letter showing have completed most recent tax return<br>Buyer Comment (2025-12-15): Exception shown on approval [redacted] shows [redacted]approved exception with stated comp factors for business being in existence less than [redacted] years as required by guidelines. | 02/10/2026 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 78 (redacted) |  | 36358491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The borrower's business used for income has not been in business for [redacted] as required by guidelines and CPA does not confirm preparing the borrower's most recent tax returns. |  |  |  | Reviewer Comment (2026-02-10): cleared in error<br>Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): CPA letter showing use of business funds will not impact business negatively.<br>Reviewer Comment (2025-12-15): Document confirming CPA prepared borrower's most recent tax return received. Missing cash flow or CPA letter for use of business funds reflecting this will not have a negative impact on the business.<br>Buyer Comment (2025-12-15): CPA letter showing have completed most recent tax return<br>Buyer Comment (2025-12-15): Exception shown on approval [redacted] shows [redacted]approved exception with stated comp factors for business being in existence less than [redacted]years as required by guidelines. | 02/10/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 36358492 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The borrower's business used for income has not been in business for [redacted] as required by guidelines and CPA does not confirm preparing the borrower's most recent tax returns as required by guidelines.The loan file does not contain a CPA letter or cash flow analysis regarding the withdrawal of business funds not having a negative impact on the business operations. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): CPA letter showing use of business funds will not impact business negatively.<br>Reviewer Comment (2025-12-15): Document confirming CPA prepared borrower's most recent tax return received. Missing cash flow or CPA letter for use of business funds reflecting this will not have a negative impact on the business.<br>Buyer Comment (2025-12-15): CPA letter showing have completed most recent tax return<br>Buyer Comment (2025-12-15): Exception shown on approval [redacted]shows [redacted]approved exception with stated comp factors for business being in existence less than [redacted]years as required by guidelines. | 02/10/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 36358493 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file does not contain a CPA letter or cash flow analysis regarding the withdrawal of business funds not having a negative impact on the business operations. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): CPA letter showing use of business funds will not impact business negatively. | 02/10/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 36358494 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The borrower's business used for income has not been in business for [redacted] as required by guidelines and CPA does not confirm preparing the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2026-03-30): Received income documents.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): CPA letter showing use of business funds will not impact business negatively.<br>Reviewer Comment (2025-12-15): Document confirming CPA prepared borrower's most recent tax return received. Missing cash flow or CPA letter for use of business funds reflecting this will not have a negative impact on the business.<br>Buyer Comment (2025-12-15): CPA letter showing have completed most recent tax return<br>Buyer Comment (2025-12-15): Exception shown on approval [redacted]shows [redacted]approved exception with stated comp factors for business being in existence less than [redacted]years as required by guidelines. | 03/30/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 36358495 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's business has been in exis[redacted]ce for less than [redacted] as required by guidelines. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and [redacted]<br>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum. | Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or dpa).<br>Low housing ratio of [redacted]or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358496 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Proof of Appraisal delivery report is not available in file for Secondary Valuation Date [redacted] |  |  |  | Buyer Comment (2026-02-06): Approve |  |  | 02/06/2026 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358499 |  | 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 ___. | Borrower's assets are insufficient to satisfy [redacted] PITI requirement. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [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>Miscellaneous | [redacted]on job.<br>Low default risk with equity, LTV [redacted]lower than matrix.<br>Total monthly payment savings of [redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-02-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. |  |  | 03/31/2026 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358500 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to Borrower's assets are insufficient to satisfy [redacted] PITI requirement. |  |  |  | Reviewer Comment (2026-02-09): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. | 02/09/2026 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 79 (redacted) |  | 36358501 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Borrower's assets are insufficient to satisfy [redacted] PITI requirement. |  |  |  | Reviewer Comment (2026-02-09): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. | 02/09/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358502 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file is missing a verification of the business within [redacted] of closing as required by guidelines and borrower does not meet the [redacted] reserve requirement. |  |  |  | Reviewer Comment (2026-02-09): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. | 02/09/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358503 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a verification of the business within 10 business days of closing as required by guidelines. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [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>Miscellaneous | [redacted]on job.<br>Low default risk with equity, LTV [redacted]lower than matrix.<br>Total monthly payment savings of [redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. |  |  | 03/31/2026 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 36358504 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The borrower does not meet the [redacted] reserve requirement. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [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>Miscellaneous | [redacted]on job.<br>Low default risk with equity, LTV [redacted]lower than matrix.<br>Total monthly payment savings of [redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-02-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-02-06): PC Exception approval for reserves uploaded. |  |  | 03/31/2026 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 80 (redacted) |  | 36358506 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Buyer Comment (2025-12-15): accept |  |  | 12/15/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 80 (redacted) |  | 36358508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 borrower. | Transfer Tax Fee increased on [redacted] Loan Estimate with no valid change evident. |  |  |  | Reviewer Comment (2025-12-31): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-12-30): LOE, PCCD and pay history uploaded. |  | 12/31/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 81 (redacted) |  | 36358511 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-16): Approve |  |  | 12/16/2025 | 2 A B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 (redacted) |  | 36358512 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable rental payment history (Guidelines require cancelled checks or bank statement for a non arm's length transaction). | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [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]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] | [redacted]on job.<br>Borrower has verified disposable income of at least [redacted]<br>Excellent credit management with FICO [redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 (redacted) |  | 36358513 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The loan file does not document the receipt of the [redacted] in gift funds. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-22): Re-uploading [redacted] months bank statements and transaction history reflecting gift funds received.<br>Reviewer Comment (2025-12-21): Received statement with gift deposit but only [redacted] provided. Please provide additional month's statement.<br>Buyer Comment (2025-12-19): Additional documentation reflecting gift funds deposited into borrowers acct.<br>Reviewer Comment (2025-12-16): Provided documentation does not provide account which funds were deposited on [redacted]. Exception remains.<br>Buyer Comment (2025-12-16): Evidence of gift funds uploaded. | 12/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 36358516 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Appraisal proof of delivery is not provided within [redacted] prior to closing |  |  |  | Buyer Comment (2025-12-17): accept |  |  | 12/17/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 36358518 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan file does not contain verification from the CPA that they prepared the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2025-12-17): Document provided reflecting CPA prepared most recent tax returns, system cleared.<br>Buyer Comment (2025-12-17): [redacted]is affidavit from CPA certifying they completed the borrower's taxes in the most recent year. | 12/17/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 82 (redacted) |  | 36358519 |  | 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 borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file does not contain verification from the CPA that they prepared the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2025-12-17): Document provided reflecting CPA prepared most recent tax returns, system cleared.<br>Buyer Comment (2025-12-17): [redacted]is affidavit from CPA certifying they completed the borrower's taxes in the most recent year. | 12/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 36358520 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. | The loan file does not contain verification from the CPA that they prepared the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2025-12-17): Document provided reflecting CPA prepared most recent tax returns, system cleared.<br>Buyer Comment (2025-12-17): [redacted]is affidavit from CPA certifying they completed the borrower's taxes in the most recent year. | 12/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 (redacted) |  | 36358521 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain verification from the CPA that they prepared the borrower's most recent tax returns as required by guidelines. |  |  |  | Reviewer Comment (2025-12-17): Document provided reflecting CPA prepared most recent tax returns, exception cleared.<br>Buyer Comment (2025-12-17): [redacted]is affidavit from CPA certifying they completed the borrower's taxes in the most recent year. | 12/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 83 (redacted) |  | 36358524 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Buyer Comment (2025-12-17): accept |  |  | 12/17/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 36358529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for Visa C09. EAD C09 Visa classification is not allowed per guidelines. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]or less | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-12): Lender Exception with Compensating Factors. |  |  | 12/12/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 85 (redacted) |  | 36358534 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Loan Term | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan exceed allowable loan term of [redacted] | Terms of the subject loan exceed allowable loan term of [redacted] |  |  |  | Reviewer Comment (2025-12-19): Lender elected to update loan designation. | 12/19/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 85 (redacted) |  | 36358535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-12-19): Lender elected to update loan designation. | 12/19/2025 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 85 (redacted) |  | 36358536 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): 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. | Lender elected to update loan designation. |  |  |  | Buyer Comment (2025-12-22): Approve<br>Reviewer Comment (2025-12-19): Updated loan designation. Exception is an EV2 which can be elected to waive. |  |  | 12/22/2025 | 2 A B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 86 (redacted) |  | 36358538 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-22): Updated value, exception cleared.<br>Buyer Comment (2025-12-22): non-agency loan approval/1008/1003 with value updated to support lower value<br>Buyer Comment (2025-12-22): initial appraisal report dated [redacted] was from cancelled loan #[redacted]and included in subject loan file to support appraisal fee noted on CD. Report was not considered in loan transaction due to lack of comparable sales included. Additional report ordered for subject loan transaction and field review to determine value. Uploaded are the appraisal reports considered for this transaction along with appraisal delivery and 1004d completion. | 12/22/2025 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 86 (redacted) |  | 36358539 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Award Letter is missing. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): 1003, 1008, income worksheet, non-agency loan approval and pension award letter uploaded | 02/02/2026 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 86 (redacted) |  | 36358540 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing award letter |  |  |  | Reviewer Comment (2026-02-02): cleared.<br>Buyer Comment (2026-01-30): 1003, 1008, income worksheet, non-agency loan approval and pension award letter uploaded | 02/02/2026 |  |  | 1 B A C |  | SC | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 86 (redacted) |  | 36358541 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Missing award letter. |  |  |  | Reviewer Comment (2026-02-02): cleared.<br>Buyer Comment (2026-01-30): 1003, 1008, income worksheet, non-agency loan approval and pension award letter uploaded | 02/02/2026 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 86 (redacted) |  | 36358542 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-18): [redacted] Cure Docs provided within [redacted]days of the consummation and before discovery date.<br>Buyer Comment (2025-12-17): pccd with cover letter and cure check with [redacted]label for delivery. Cure check includes a combined total including second appraisal, appraisal review and reinspection fees along with $[redacted]appraisal fee and $[redacted]collateral desktop fee from prior loan that cancelled | 12/18/2025 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 86 (redacted) |  | 36358543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Please assign CCT Seg#[redacted] file Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance of Please assign CCT Seg#[redacted] file Please assign CCT Seg#[redacted] file over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance ofPlease assign CCT Seg#[redacted] file over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-18): [redacted] Cure Docs provided within [redacted]days of the consummation and before discovery date.<br>Buyer Comment (2025-12-17): pccd with cover letter and cure check with [redacted]label for delivery. Cure check includes a combined total including second appraisal, appraisal review and reinspection fees along with $[redacted]appraisal fee and $[redacted]collateral desktop fee from prior loan that cancelled | 12/18/2025 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 86 (redacted) |  | 36358544 |  | 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 Reinspection Fee. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance of Please assign CCT Seg#[redacted] file over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance of Please assign CCT Seg#[redacted] file over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-18): [redacted] Cure Docs provided within [redacted]days of the consummation and before discovery date.<br>Buyer Comment (2025-12-17): pccd with cover letter and cure check with [redacted]label for delivery. Cure check includes a combined total including second appraisal, appraisal review and reinspection fees along with $[redacted]appraisal fee and $[redacted] collateral desktop fee from prior loan that cancelled<br>Buyer Comment (2025-12-17): pccd with cover letter and cure check with [redacted]label for delivery. Cure check includes a combined total including second appraisal, appraisal review and reinspection fees along with $[redacted]appraisal fee and $[redacted]collateral desktop fee from prior loan that cancelled | 12/18/2025 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 86 (redacted) |  | 36358545 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Residual income > $[redacted]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-12): Lender exception with compensating factors. |  |  | 12/12/2025 | 2 B |  | SC | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 87 (redacted) |  | 36358548 |  | 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 Collateral Desktop Analysis. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance of Please assign CCT Seg#[redacted] file over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Collateral Desktop Analysis fee of Please assign CCT Seg#[redacted] file was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-18): 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 (2025-12-16): [redacted] is CD with cure, [redacted] is lender LOE, and [redacted] is pay history | 12/18/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 87 (redacted) |  | 36358550 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of Please assign CCT Seg#[redacted] file exceeds tolerance ofPlease assign CCT Seg#[redacted] file. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 12/18/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 87 (redacted) |  | 36358551 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property exceeds max acreage (max acreage per guidelines is Please assign CCT Seg#[redacted] file | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income greater than $[redacted].<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 36358552 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant Please assign CCT Seg#[redacted] file prior to consummation. |  |  |  |  | Buyer Comment (2025-12-30): accept ev2 grade<br>Reviewer Comment (2025-12-30): Exception is an EV2 as most recent appraisal report dated [redacted] was delivered to the borrower [redacted] which is not within [redacted] business day prior to closing. Exception may elected to waive.<br>Buyer Comment (2025-12-22): Report and delivery were provided, please clarify why condition has not been cleared with documentation provided<br>Reviewer Comment (2025-12-21): Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-12-18): appraisal report<br>Reviewer Comment (2025-12-17): Delivery received, please provide a copy of the appraisal that was delivered on [redacted] to reflect no change in value from most recent received report of [redacted].<br>Buyer Comment (2025-12-17): [redacted] appraisal delivery<br>Reviewer Comment (2025-12-17): Please provided appraisal report delivered on [redacted].<br>Buyer Comment (2025-12-16): appraisal delivery |  |  | 12/30/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 36358553 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-12-21): Appraisal report provided, reflecting no change in value.<br>Buyer Comment (2025-12-18): appraisal report<br>Reviewer Comment (2025-12-17): Please provide a copy of the original appraisal report dated [redacted].<br>Buyer Comment (2025-12-17): [redacted] appraisal delivery<br>Reviewer Comment (2025-12-17): Please provided appraisal report delivered on [redacted].<br>Buyer Comment (2025-12-16): appraisal delivery | 12/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 36358554 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant t[redacted] prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-21): Appraisal report provided, reflecting no change in value.<br>Buyer Comment (2025-12-18): appraisal report<br>Reviewer Comment (2025-12-17): Please provide a copy of the original appraisal report dated [redacted].<br>Buyer Comment (2025-12-17): [redacted] appraisal delivery<br>Reviewer Comment (2025-12-17): Please provided appraisal report delivered on [redacted].<br>Buyer Comment (2025-12-16): appraisal delivery | 12/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 36358558 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant[redacted] prior to consummation. |  |  |  |  | Buyer Comment (2025-12-30): accept ev2 grade<br>Buyer Comment (2025-12-22): Report and delivery were provided, please clarify why condition has not been cleared with documentation provided |  |  | 12/30/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 36358559 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non warrantable condo which is ineligible per guidelines. | Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Residual income greater than $[redacted]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 36358560 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Buyer Comment (2025-12-17): accept ev2 grade<br>Reviewer Comment (2025-12-17): Delivery provided, appraisal report was completed [redacted] business days from closing. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-12-16): appraisal delivery |  |  | 12/17/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 36358561 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-17): Delivery provided.<br>Buyer Comment (2025-12-16): appraisal delivery | 12/17/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 36358564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Provide valid COC for credit soft pull fee |  |  |  | Reviewer Comment (2025-12-18): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-12-16): pccd with cover letter and principal reduction applied |  | 12/18/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 89 (redacted) |  | 36358566 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-12-19): POCB provided, exception cleared.<br>Buyer Comment (2025-12-17): total paid invoices uploaded $[redacted]<br>Reviewer Comment (2025-12-17): [redacted] added reserves now [redacted] mnths requirement is [redacted]months.<br>Buyer Comment (2025-12-16): paid invoice receipts | 12/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 36358567 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-12-19): POCB provided, exception cleared.<br>Buyer Comment (2025-12-17): total paid invoices uploaded $[redacted]<br>Reviewer Comment (2025-12-17): [redacted] added reserves now [redacted]mnths requirement is [redacted]months.<br>Buyer Comment (2025-12-16): paid invoice receipts | 12/19/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 89 (redacted) |  | 36358568 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-12-19): POCB provided, exception cleared.<br>Buyer Comment (2025-12-17): total paid invoices uploaded $[redacted]<br>Reviewer Comment (2025-12-17): [redacted] added reserves now [redacted]mnths requirement is [redacted]months.<br>Buyer Comment (2025-12-16): paid invoices | 12/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 36358569 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided within [redacted]Days of Closing |  | 12/18/2025 |  | 1 A |  | NY | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 90 (redacted) |  | 36358574 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Affiliated Business Arrangement Disclosure was not signed by borrower |  |  |  | Reviewer Comment (2025-12-21): Signed disclosure provided on [redacted].<br>Buyer Comment (2025-12-18): Executed disclosure uploaded. | 12/21/2025 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 90 (redacted) |  | 36358575 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-18): Approve |  |  | 12/18/2025 | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 90 (redacted) |  | 36358576 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. | Signed disclosure provided dated [redacted]. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-22): [redacted] uploaded. | 12/30/2025 |  |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358578 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Buyer Comment (2025-12-17): accept |  |  | 12/17/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358581 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  | Reviewer Comment (2025-12-18): [redacted] Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-12-17): [redacted] is CD with cure showing. [redacted] is LOE, and [redacted] is pay history | 12/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 36358582 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The CPA letter does not confirm the Borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-12-18): Ownership documentation provided, system cleared.<br>Buyer Comment (2025-12-17): Tax preparer affidavit shows [redacted]% owner uploaded. | 12/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 36358583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The CPA letter does not confirm the Borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-12-18): Ownership documentation provided, system cleared.<br>Buyer Comment (2025-12-17): Tax preparer affidavit shows [redacted]% owner uploaded. | 12/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | The CPA letter does not confirm the Borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-12-18): Ownership documentation provided, system cleared.<br>Buyer Comment (2025-12-17): Tax preparer affidavit shows [redacted]% owner uploaded. | 12/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358585 |  | 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 ___. | Maximum LTV for cash out alt doc loan is [redacted]% and subject loan is [redacted]% LTV. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The Combined Loan to Value (CLTV) 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>Miscellaneous | Borrower has verified disposable income of at least $[redacted].<br>Total monthly savings of at least [redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-12): Lender exception with compensating factors. |  |  | 12/12/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358586 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The CPA letter does not confirm the Borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-12-18): Document provided confirming ownership %, exception cleared.<br>Buyer Comment (2025-12-17): Tax preparer affidavit shows [redacted]% owner uploaded. | 12/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358587 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | LTV of [redacted]% exceeds guideline maximum of [redacted]% for a cash out alt doc loan. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The Combined Loan to Value (CLTV) 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>Miscellaneous | Borrower has verified disposable income of at least $[redacted].<br>Total monthly savings of at least [redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-12): Lender exception with compensating factors. |  |  | 12/12/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 36358588 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided within [redacted]Days of Closing |  | 12/18/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 92 (redacted) |  | 36358592 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  | Reviewer Comment (2025-12-31): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-30): corrected PC CD uploaded.<br>Reviewer Comment (2025-12-18): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. However, copy of refund check provided for $[redacted] and cure provided on CD is $[redacted]. Please provide corrected PCCD to cure the exception.<br>Buyer Comment (2025-12-17): cure check, PC CD and Loe uploaded |  | 12/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 92 (redacted) |  | 36358593 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2025-12-17): accept |  |  | 12/17/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 (redacted) |  | 36358594 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2025-12-17): accept |  |  | 12/17/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 (redacted) |  | 36358604 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-19): Approve |  |  | 12/19/2025 | 2 A B |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 96 (redacted) |  | 36358605 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2025-12-19): Approve |  |  | 12/19/2025 | 2 B |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 96 (redacted) |  | 36358606 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [redacted] business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-12-19): Approve |  |  | 12/19/2025 | 2 B |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 96 (redacted) |  | 36358607 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax verification for REO[redacted]. |  |  |  | Reviewer Comment (2025-12-21): Tax provided, exception cleared.<br>Buyer Comment (2025-12-19): Proof of taxes uploaded. | 12/21/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 97 (redacted) |  | 36358609 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-12-22): accept |  |  | 12/22/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 97 (redacted) |  | 36358610 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-12-22): accept |  |  | 12/22/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 97 (redacted) |  | 36358611 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a non warrantable condo. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | [redacted] years on job.<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-22): Lender exception with compensating factors.<br>Buyer Comment (2025-12-22): [redacted] is approval showing approved exception for the condo. |  |  | 12/22/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 97 (redacted) |  | 36358612 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is a non warrantable condo which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | [redacted] years on job.<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-17): Lender exception with compensating factors. |  |  | 12/17/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 97 (redacted) |  | 36358613 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final CD reflects proceeds being used to payoff personal debt (IRS taxes). The loan file contains a business purpose certification stating funds will not be used for personal use. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): That may be true for [redacted] advantage, however this is [redacted] advantage which states "The mortgage amount for a cash-out refinance transaction may include any of the following: • Existing first mortgage payoff • Closing costs and prepaid items (interest, taxes, insurance) on the new mortgage • The amount of any subordinate mortgage liens being paid off that do not meet seasoning and draw history requirements as described in Rate/Term Refinance • THE AMOUNT OF ANY NON-MORTGAGE RELATED DEBT PAID OFF THROUGH CLOSING • Additional cash in hand reflected on the settlement statement<br>Reviewer Comment (2026-01-16): Per guidelines only property taxes maybe paid by cashout proceeds.<br>Buyer Comment (2026-01-14): Per the guidelines, Business purpose affidavit is only required for [redacted] when the borrower is vesting in the name of a business. Our current procedures have us sending out the business purpose affidavit on all loans as a blanket policy, in this case it was sent to the borrower for signature when it is not necessary for this loan because the file has been underwritten to meet ATR standards. | 01/27/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| (redacted) | 98 (redacted) |  | 36358616 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | The [redacted] CD reflects taxes being paid on pg [redacted]. |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Buyer Comment (2025-12-29): [redacted] is CD issued [redacted] that shows borrower received only $[redacted]. | 12/31/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 36358617 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of [redacted]% of the loan amount or $[redacted]. |  | The [redacted] CD reflects taxes being paid on pg [redacted]. |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Buyer Comment (2025-12-29): [redacted]is CD issued [redacted] that shows borrower received only $[redacted]. | 12/31/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 100 (redacted) |  | 36358624 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount financed in Final closing disclosure is over disclosed by $[redacted]due to Title - Tax Certificate fee not considered in finance charge by lender. |  |  |  | Reviewer Comment (2025-12-23): [redacted] received LOA<br>Buyer Comment (2025-12-23): attestation letter<br>Reviewer Comment (2025-12-23): [redacted] received rebuttal on finance charge calculation. It appears lender did not include the Title-Tax Certificate fee of $[redacted]. While one-time tax cert prior to closing is NOT a finance charge, life of loan tax service is a finance charge. There is only one tax cert fee on the CD, unable to determine if this charge includes life of loan tax service, therefore, the entire amount is included as a finance charge. If tax cert fee does not include life of loan tax service and is only for one time upfront tax service, please provide invoice or attestation noting the fee as a one-time fee or a life of loan fee in order to determine if any portion of the fee is excludable from finance charges.<br>Buyer Comment (2025-12-22): A tax certification fee imposed by the lender is a finance charge, however, this fee is imposed by a third party (title company) and is necessary for the title insurance. Therefore, this is not a prepaid finance charge, this finding is invalid. Please see tax cert attached, bottom of page includes cert fee $[redacted] | 12/23/2025 |  |  | 1 C A |  | PA | 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) | Non QM | Non QM | Yes |
| (redacted) | 100 (redacted) |  | 36358625 |  | 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]). | Finance charge in Final closing disclosure is under disclosed by $[redacted]due to Title - Tax Certificate fee not considered in finance charge by lender. |  |  |  | Reviewer Comment (2025-12-23): [redacted] received LOA<br>Buyer Comment (2025-12-23): attestation letter<br>Reviewer Comment (2025-12-23): [redacted] received rebuttal on finance charge calculation. It appears lender did not include the Title-Tax Certificate fee of $[redacted]. While one-time tax cert prior to closing is NOT a finance charge, life of loan tax service is a finance charge. There is only one tax cert fee on the CD, unable to determine if this charge includes life of loan tax service, therefore, the entire amount is included as a finance charge. If tax cert fee does not include life of loan tax service and is only for one time upfront tax service, please provide invoice or attestation noting the fee as a one-time fee or a life of loan fee in order to determine if any portion of the fee is excludable from finance charges.<br>Buyer Comment (2025-12-22): A tax certification fee imposed by the lender is a finance charge, however, this fee is imposed by a third party (title company) and is necessary for the title insurance. Therefore, this is not a prepaid finance charge, this finding is invalid. Please see tax cert attached, bottom of page includes cert fee $[redacted] | 12/23/2025 |  |  | 1 C A |  | PA | 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) | Non QM | Non QM | Yes |
| (redacted) | 101 (redacted) |  | 36358628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received proof of receipt.<br>Buyer Comment (2025-12-23): Please see uploaded signed CD dated [redacted] | 12/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 36358629 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-12-23): accept grade ev2 |  |  | 12/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 102 (redacted) |  | 36358631 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): Appraisal delivery | 12/30/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 36358632 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received COC and as per available rate lock, lock extended on [redacted].<br>Buyer Comment (2025-12-23): coc and lock with change in origination credit and points | 12/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 102 (redacted) |  | 36358633 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received COC and as per available rate lock, lock extended on [redacted].<br>Buyer Comment (2025-12-23): coc and lock with change in origination credit and points | 12/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 104 (redacted) |  | 36358641 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is non warrantable condo which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted] years on job.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's own funds used for Down Payment and closing (No gifts or dpa).<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-19): Lender exception with compensating factors. |  |  | 12/19/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 104 (redacted) |  | 36358642 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A credit report re issue fee of $[redacted] was added without a valid change of circumstance. Not cure provided. |  |  |  | Reviewer Comment (2025-12-23): Sufficient Cure Provided within [redacted]Days of Closing and prior to dicovery date.<br>Buyer Comment (2025-12-23): pccd with cover letter and principal reduction applied | 12/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 104 (redacted) |  | 36358643 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines require reserves of [redacted]months. The loan file documents [redacted]months. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): paid invoice receipts | 12/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 104 (redacted) |  | 36358644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guidelines require reserves of [redacted]months. The loan file documents [redacted]months. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): paid invoice receipts | 12/30/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 104 (redacted) |  | 36358645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Guidelines require reserves of [redacted]months. The loan file documents [redacted]months. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): paid invoice receipts | 12/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 104 (redacted) |  | 36358646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Guidelines require reserves of [redacted]months. The loan file documents [redacted]months. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): paid invoice receipts | 12/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 104 (redacted) |  | 36358647 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Guidelines require reserves of [redacted]months. The loan file documents [redacted]months. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): paid invoice receipts | 12/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 104 (redacted) |  | 36358648 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-12-23): Sufficient Cure Provided within [redacted]Days of Closing |  | 12/23/2025 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 105 (redacted) |  | 36358650 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is Missing, |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): tax payer consent | 12/30/2025 |  |  | 1 B A |  | TX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 105 (redacted) |  | 36358651 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Buyer Comment (2025-12-30): waived, accept [redacted]grade<br>Reviewer Comment (2025-12-30): PCCD dated[redacted] reflects initial escrow payment as $[redacted], however, the initial escrow statement reflects $[redacted]. A corrected PCCD/HUD with LOE to borrower is required or LOE and corrected initial escrow statement. Exception is an [redacted]which can be elected to waive.<br>Buyer Comment (2025-12-23): CD and disclosure are correct. Initial escrow disclosure includes taxes and insurance impounds; CD includes other monthly fee - HOA dues which are not impounded. Please review and advise if condition can be cleared or if anything further is required |  |  | 12/30/2025 | 2 B |  | TX | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 105 (redacted) |  | 36358652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least [redacted]business days prior to closing. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received signed copy of initial CD received [redacted]business days prior to closing.<br>Buyer Comment (2025-12-23): signed initial CD | 12/24/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 105 (redacted) |  | 36358653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received signed copy of final LE received [redacted]business days prior to closing.<br>Buyer Comment (2025-12-23): uploaded signed revised LE | 12/24/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 36358656 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-26): Delivery provided, system cleared.<br>Buyer Comment (2025-12-23): Attached | 12/26/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 108 (redacted) |  | 36358661 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Soft Pull fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-24): [redacted] received PCCD, LOE and pay history<br>Buyer Comment (2025-12-23): Already cured, see attached. | 12/24/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 108 (redacted) |  | 36358663 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-12-24): Sufficient Cure Provided within [redacted] Days of Closing |  | 12/24/2025 |  | 1 A |  | NY | 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 |
| (redacted) | 109 (redacted) |  | 36358665 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted]business days to closing. |  |  |  | Buyer Comment (2025-12-22): accept |  |  | 12/22/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 109 (redacted) |  | 36358667 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Buyer Comment (2025-12-22): accept |  |  | 12/22/2025 | 2 B |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 110 (redacted) |  | 36358673 |  | 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 ___. | As per guidelines, [redacted]months reserves required. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years. | Residual income greater than $[redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ...<br>Reviewer Comment (2025-12-22): Lender exception with compensating factors.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 03/30/2026 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 36358674 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | As per guideline FICO score not met | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years. | Residual income greater than $[redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2025-12-22): Lender exception with compensating factors.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. Exception granted for LTV of [redacted] based on current fico score of [redacted] |  |  | 03/30/2026 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 36358675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to shortage of asset reserves as required by guidelines. |  |  |  | Reviewer Comment (2025-12-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. | 12/22/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 110 (redacted) |  | 36358676 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [redacted]due to shortage of asset reserves as required by guidelines. |  |  |  | Reviewer Comment (2025-12-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. | 12/22/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 36358677 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's reserves of [redacted]months is less than the guideline requirement of [redacted]. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years. | Residual income greater than $[redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-03-30): ...<br>Reviewer Comment (2025-12-22): Lender exception with compensating factors.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 03/30/2026 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 36358678 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]due to shortage of asset reserves as required by guidelines. |  |  |  | Reviewer Comment (2025-12-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-12-22): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] or [redacted] if reviewer is unable to downgrade and waive exception. | 12/22/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 36358681 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Buyer Comment (2025-12-30): .<br>Reviewer Comment (2025-12-30): Final CD dated [redacted] reflects initial escrow payment as [redacted], however, the initial escrow statement reflects [redacted]. A corrected PCCD/HUD with LOE to borrower is required or LOE and corrected initial escrow statement. Exception is an [redacted]which can be elected to waive.<br>Buyer Comment (2025-12-23): The amount on the IEAD matches the actual escrow payment. The amount shown on the CD includes the HOA dues, but notes they are not part of the escrow payment. The insurance is $[redacted], taxes are $[redacted], for total escrow payment of $[redacted].<br>Reviewer Comment (2025-12-18): Exception is an [redacted]which can be elected to waive. |  |  | 12/30/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 113 (redacted) |  | 36358687 |  | 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 borrower at Closing. | Appraisal Fee was disclosed on initial Loan estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing |  | 12/18/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 114 (redacted) |  | 36358689 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report was not provided. |  |  |  | Reviewer Comment (2025-12-31): Cleared.<br>Buyer Comment (2025-12-30): fraud report uploaded | 12/31/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 36358690 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal received [redacted]days prior to closing not provided. |  |  |  | Buyer Comment (2025-12-30): accept |  |  | 12/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 115 (redacted) |  | 36358695 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | The loan has been identified as a Higher Priced Mortgage Loan, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-12-23): Lender elected to regrade non-qm. | 12/23/2025 |  |  | 1 B A C |  | MN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| (redacted) | 115 (redacted) |  | 36358696 |  | 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]%. | The loan has been identified as a Higher Priced Mortgage Loan, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-12-23): Lender elected to regrade non-qm. | 12/23/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 115 (redacted) |  | 36358697 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure Signed by Borrower | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing. | Provided [redacted] Tangible Net Benefit Disclosure was signed for the Closing not for the application date. |  |  |  | Buyer Comment (2025-12-22): Approve<br>Reviewer Comment (2025-12-22): Document provided is missing the signature page. Exception is an [redacted]and can be elected to waive.<br>Buyer Comment (2025-12-19): Executed disclosure uploaded. |  |  | 12/22/2025 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 115 (redacted) |  | 36358698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): 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. | Lender elected to regrade non-qm. |  |  |  | Buyer Comment (2025-12-23): Approve<br>Reviewer Comment (2025-12-23): Exception is an [redacted]which can be elected to waive. |  |  | 12/23/2025 | 2 A B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| (redacted) | 116 (redacted) |  | 36358701 |  | 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]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing |  | 12/18/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 116 (redacted) |  | 36358702 |  | 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 Electronic Document Delivery Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing |  | 12/18/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 116 (redacted) |  | 36358703 |  | 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 - Examination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing |  | 12/18/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 119 (redacted) |  | 36358713 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Flood Disclosure Received date is missing. |  |  |  | Buyer Comment (2026-01-05): Accept |  |  | 01/05/2026 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 119 (redacted) |  | 36358715 |  | 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 Reinspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-06): [redacted] received PCCD, LOE and pay history for principal reduction of cure.<br>Buyer Comment (2026-01-05): [redacted]is the CD showing cure on final page, [redacted]is [redacted], [redacted]is pay history | 01/06/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 119 (redacted) |  | 36358716 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-01-06): Sufficient Cure Provided within 60 Days of Closing |  | 01/06/2026 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 121 (redacted) |  | 36358725 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property has environmental problems noted by appraiser or visible in the photos |  | Subject built prior to [redacted]; lead paint could be present. Appraiser recommends a licensed contractor to determine if the chipping roof trim, stucco and shed are a health and safety issue. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Good day, UW VP requests to escalate higher with the justification "It is exterior, in areas not accessible to our borrower. It would not seem to be a health & safety issue. It was also not determined definitively that there is lead."<br>Reviewer Comment (2026-01-14): Lead paint is toxic and would be considered an environmental hazard.<br>Buyer Comment (2026-01-12): Per [redacted]: <br> "[redacted],<br> I do not see a reference point in the guidelines to direct you any further. What I can say is that all the items the appraiser noted are exterior and do not impact the livable interior space of the subject. Appraisal was made "as-is" and so we can assume this was more cosmetic than a health/safety issue." | 01/27/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 122 (redacted) |  | 36358728 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] non perm, not on approval list. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | [redacted] years on job.<br>Excellent Credit Management with FICO [redacted].<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-12-29): Client elects to waive with compensating factors. |  |  | 12/29/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 122 (redacted) |  | 36358729 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2026-01-02): Approve |  |  | 01/02/2026 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 36358732 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-01-02): Approve |  |  | 01/02/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 36358733 |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  | Information updated as per 1004 |  |  |  | Reviewer Comment (2026-03-30): Information updated, exception cleared.<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2026-01-05): Provided at initial review.<br>Buyer Comment (2025-12-31): [redacted]the [redacted]shows on page [redacted]under the Cost Approach to Value section, the appraiser entered their support for the opinion of site value as the land abstraction method, and that there are high demand factors. | 03/30/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 36358734 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary amount not provided |  |  |  | Reviewer Comment (2026-03-27): Final title provided, exception cleared.<br>Reviewer Comment (2026-03-27): ..<br>Buyer Comment (2025-12-31): accept | 03/27/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 36358737 |  | 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 borrower. | [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided |  |  |  | Reviewer Comment (2026-01-02): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-12-31): [redacted]is [redacted]showing redisclosure due to borrower electing to waive escrow, which impacts the interest rate lock, thus valid [redacted] | 01/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 125 (redacted) |  | 36358738 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Final Title policy is missing in loan file |  |  |  | Reviewer Comment (2026-03-30): Final title provided, exception cleared.<br>Reviewer Comment (2026-03-30): ..<br>Buyer Comment (2025-12-31): accept | 03/30/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 125 (redacted) |  | 36358741 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet seasoning for cash out of minimum of [redacted]months from most mortgage transaction, borrower took out a [redacted]. | Borrower has verified disposable income of at least $[redacted] .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-29): Client elects to waive with compensating factors. |  |  | 12/29/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 36358748 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-05): Approve |  |  | 01/05/2026 | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 36358757 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Exception is an [redacted]as most recent appraisal report dated [redacted]is missing evidence of delivery within [redacted] business days prior to closing. Exception may be elected to waive. |  |  |  | Buyer Comment (2026-01-06): accept |  |  | 01/06/2026 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 132 (redacted) |  | 36358760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of[redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit changed from -[redacted]to -$[redacted], a difference of $[redacted]without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2026-01-08): [redacted] received rate lock document suffice<br>Buyer Comment (2026-01-07): The appraisal came in on [redacted]with value lower than estimated, effectively increasing the LTV over [redacted]%. The previous lock was based on lower LTV. Lender credit was reduced to offset the increase in pricing. Locks attached. | 01/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 132 (redacted) |  | 36358761 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. Exception is an [redacted] which can be elected to waive. |  |  |  | Buyer Comment (2026-04-01): . |  |  | 04/01/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 133 (redacted) |  | 36358762 |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  | Excessive site value noted on appraisal without appraiser comments to justify |  |  |  | Reviewer Comment (2026-01-06): Cleared.<br>Buyer Comment (2026-01-05): Please clarify if the condition is regarding the site value noted on the cost approach or grid | 01/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 134 (redacted) |  | 36358765 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. |  | Verification of taxes document is missing for REO property [redacted] |  |  |  | Reviewer Comment (2026-01-09): Cleared.<br>Buyer Comment (2026-01-07): [redacted] print out considered in qualifying taxes for property, see upload | 01/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 134 (redacted) |  | 36358767 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax verification documentation for REO [redacted] |  |  |  | Reviewer Comment (2026-01-09): Cleared.<br>Buyer Comment (2026-01-07): [redacted] print out considered in qualifying taxes for property, see upload | 01/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 134 (redacted) |  | 36358768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing tax verification documentation for REO [redacted] |  |  |  | Reviewer Comment (2026-01-09): Cleared.<br>Buyer Comment (2026-01-07): [redacted] print out considered in qualifying taxes for property, see upload | 01/09/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 134 (redacted) |  | 36358769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing tax verification documentation for REO #[redacted]. |  |  |  | Reviewer Comment (2026-01-09): Cleared.<br>Buyer Comment (2026-01-07): [redacted] print out considered in qualifying taxes for property, see upload | 01/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 134 (redacted) |  | 36358770 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Waterfall due to missing tax verification documentation for REO [redacted] |  |  |  | Reviewer Comment (2026-01-09): Cleared.<br>Buyer Comment (2026-01-07): [redacted] print out considered in qualifying taxes for property, see upload | 01/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 36358775 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]. The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated total of payments of $[redacted]which exceeds the $[redacted]threshold. | Final Disclosure disclosed a Total of Payments are[redacted]. The calculated Total of Payments is $[redacted]. There is a variance of $[redacted].Itemization of fee amount not found in file |  |  |  | Reviewer Comment (2026-03-23): [redacted] received LOE, copy of refund check, corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2026-03-20): Correct shipping label uploaded. Please note, cure check was issued and delivered within the cure period required. Borrower provided the NORTC at their earliest convenience. Please escalate to [redacted] or [redacted] if reviewer is unable to clear exception.<br>Reviewer Comment (2026-03-19): Courier does not indicate receipt of remediation package at this time and cure period expired on the loan on [redacted].<br>Buyer Comment (2026-03-18): PCCD, LOE, cure check, proof of delivery and re-executed NORTC uploaded. |  | 03/23/2026 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 135 (redacted) |  | 36358776 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Ex[redacted]ded Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in ex[redacted]ded rescission rights ([redacted]years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. |  |  |  |  |  | Reviewer Comment (2026-03-23): Tolling rescission exception cured. [redacted] received proof of re-opening of RTC. |  | 03/23/2026 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). B | Non QM | Non QM | Yes |
| (redacted) | 136 (redacted) |  | 36358778 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Divorce Decree/Child Support document is not provided. |  |  |  | Reviewer Comment (2026-03-17): Cleared.<br>Buyer Comment (2026-03-13): divorce decree, tax returns, [redacted]and [redacted]supporting child support award and alimony payments | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358780 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2026-03-17): Cleared.<br>Buyer Comment (2026-03-13): divorce decree, tax returns, [redacted]and [redacted]supporting child support award and alimony payments | 03/17/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 136 (redacted) |  | 36358781 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Unable to verify Partnership income using reasonably reliable third-party records. The income loss is updated from [redacted]. No other supporting documents found. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Unable to verify Partnership income using reasonably reliable third-party records. The income loss is updated from [redacted]<br> . No other supporting documents found. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Unable to verify Partnership income using reasonably reliable third-party records. The income loss is updated from [redacted]. No other supporting documents found. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Unable to verify Partnership income using reasonably reliable third-party records. The income loss is updated from [redacted]. No other supporting documents found. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358785 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Unable to verify Partnership income using reasonably reliable third-party records. The income loss is updated from [redacted]. No other supporting documents found. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358786 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358787 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification for all self-employed income. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing third party verification for all self-employed income. |  |  |  | Reviewer Comment (2026-03-17): cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 36358789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third party verification for all self-employed income. |  |  |  | Reviewer Comment (2026-03-17): Cleared. | 03/17/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 36358790 |  | 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 borrower. | Appraisal fee amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC/Cure was provided. |  |  |  | Reviewer Comment (2026-01-08): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) for the appraisal fee increased resulting in a cleared exception.<br>Buyer Comment (2026-01-08): Please see image [redacted]pages [redacted] and payment history previously uploaded.<br>Reviewer Comment (2026-01-07): waived in error per lender.<br>Buyer Comment (2026-01-06): Approve<br>Buyer Comment (2026-01-06): Please see image [redacted]pages [redacted] - [redacted]and payment history uploaded. | 01/08/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 137 (redacted) |  | 36358793 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted]<br> business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted]proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2026-01-08): Approve |  |  | 01/08/2026 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 36358794 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | 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 borrower. |  |  |  |  | Reviewer Comment (2026-01-08): Sufficient Cure Provided within [redacted]Days of Closing |  | 01/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 140 (redacted) |  | 36358802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted] |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-14): Insurer confirmed the borrower paid the invoice, see attached.<br>Reviewer Comment (2026-01-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2026-01-12): Invoice for [redacted]does not reflect that it was paid by borrower.<br>Buyer Comment (2026-01-08): See attached payment receipts. Both were paid prior to the final bank statement date, and thus should not be deducted from the documented reserves/funds to close. | 01/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 140 (redacted) |  | 36358803 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-15): Waterfall of [redacted]<br>Reviewer Comment (2026-01-12): Invoice for [redacted]does not reflect that it was paid by borrower.<br>Buyer Comment (2026-01-08): Waterfall of [redacted] | 01/16/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 140 (redacted) |  | 36358804 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-15): Waterfall of [redacted]<br>Reviewer Comment (2026-01-12): Invoice for [redacted]does not reflect that it was paid by borrower.<br>Buyer Comment (2026-01-08): Waterfall of [redacted] | 01/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 140 (redacted) |  | 36358805 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-15): Waterfall of [redacted]<br>Reviewer Comment (2026-01-12): Invoice for [redacted]does not reflect that it was paid by borrower.<br>Buyer Comment (2026-01-08): Waterfall of [redacted] | 01/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 140 (redacted) |  | 36358806 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-15): Waterfall of [redacted]<br>Reviewer Comment (2026-01-12): Invoice for [redacted]does not reflect that it was paid by borrower.<br>Buyer Comment (2026-01-08): Waterfall of [redacted] | 01/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 36358811 |  | 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 borrower. | The file is missing a valid Change of Circumstance for [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 borrower. |  |  |  | Reviewer Comment (2026-01-27): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2026-01-26): The exception detail and information section states $[redacted]flat. Please review and advise further what is correct. $[redacted]or $[redacted].<br>Reviewer Comment (2026-01-22): [redacted] received PCCD, LOE and payment history for principal reduction of cure of $[redacted], however cure required is $[redacted]. Please provide cure of additional cure $[redacted]with cure documents to cure the exception.<br>Buyer Comment (2026-01-21): PC CD, LOE, and pay history |  | 01/27/2026 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 143 (redacted) |  | 36358814 |  | 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 borrower. | Title - Endorsement Fee increased on [redacted] Loan Estimate, again on[redacted]5 Loan Estimate and again on [redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2026-01-08): [redacted] received PCCD, LOE and payment history.<br>Buyer Comment (2026-01-08): pccd with cover letter and pr applied | 01/08/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 143 (redacted) |  | 36358815 |  | 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 borrower. | [redacted]% tolerance was exceeded by $[redacted]due to Title - Document Preparation Fee, Title - Lender's Title Insurance and Recording Fee Total. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-08): [redacted] received PCCD, LOE and payment history.<br>Buyer Comment (2026-01-08): pccd with cover letter and pr applied | 01/08/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 143 (redacted) |  | 36358817 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>Low housing ratio [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 143 (redacted) |  | 36358819 |  | 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 borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-01-08): Sufficient Cure Provided within [redacted]Days of Closing |  | 01/08/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 143 (redacted) |  | 36358820 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-01-08): Sufficient Cure Provided within [redacted]Days of Closing |  | 01/08/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 144 (redacted) |  | 36358822 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 145 (redacted) |  | 36358828 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted]. The report date of the appraisal in the file is [redacted]. Missing a copy of the appraisal provided to the borrower on [redacted] |  |  |  | Reviewer Comment (2026-01-12): Cleared.<br>Buyer Comment (2026-01-08): Attached | 01/12/2026 |  |  | 1 D A |  | NV | Primary | Refinance - Rate/Term | D B A | Non QM | Non QM | No |
| (redacted) | 145 (redacted) |  | 36358829 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted]business days prior to closing was not provided. |  |  |  | Buyer Comment (2026-01-08): . |  |  | 01/08/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | D B A | Non QM | Non QM | No |
| (redacted) | 145 (redacted) |  | 36358830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in exis[redacted]ce for less than [redacted]years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>The 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. | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 01/07/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | D B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 36358833 |  | 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 ___. | Missing asset documentation | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted] %.<br>The 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 refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than [redacted]<br>Low default risk with equity, LTV [redacted]<br> % lower than matrix.<br>Total monthly payment savings of at least [redacted] to $[redacted]per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 01/07/2026 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 36358834 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves requirement not met. Missing asset documentation |  |  |  | Reviewer Comment (2026-01-07): Lender exception with compensating factors, system cleared. | 01/07/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 36358835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserves requirement not met. Missing asset documentation |  |  |  | Reviewer Comment (2026-01-07): Lender exception with compensating factors, system cleared. | 01/07/2026 |  |  | 1 B A C |  | NY | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 146 (redacted) |  | 36358836 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted] %.<br>The 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 refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than [redacted]<br>Low default risk with equity, LTV [redacted]<br> % lower than matrix.<br>Total monthly payment savings of at least [redacted] to $[redacted]per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 01/07/2026 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 36358837 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2026-01-07): Lender exception with compensating factors, system cleared. | 01/07/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 36358838 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-04-06): Approve |  |  | 04/06/2026 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 36358841 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-15): ALTA shows correct loan amount as coverage, uploaded. | 01/16/2026 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 148 (redacted) |  | 36358844 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2026-01-14): accept |  |  | 01/14/2026 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 148 (redacted) |  | 36358846 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Residency- allow C- [redacted]EAD. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly mortgage payment has decreased by at least[redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and [redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of[redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 01/07/2026 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 36358848 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal [redacted]business days to closing. |  |  |  | Buyer Comment (2026-01-20): accept |  |  | 01/20/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 36358850 |  | 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 borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% over legal limit. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2026-01-21): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2026-01-20): [redacted]is CD showing cure, [redacted]is LOE, [redacted]is pay history | 01/21/2026 |  |  | 1 C A |  | VA | 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 |
| (redacted) | 149 (redacted) |  | 36358851 |  | 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 borrower. |  |  |  |  | Reviewer Comment (2026-01-21): Sufficient Cure Provided within [redacted]Days of Closing |  | 01/21/2026 |  | 1 A |  | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 150 (redacted) |  | 36358854 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The disclosed APR [redacted]% is greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-13): uploaded is delivery proof for[redacted] appraisal and the [redacted] appraisal is shown on the screenshot of [redacted]. | 01/15/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358855 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-13): uploaded is delivery proof for[redacted] appraisal and the [redacted] appraisal is shown on the screenshot of [redacted]. | 01/15/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358856 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] (3) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-13): uploaded is delivery proof for[redacted] appraisal and the [redacted] appraisal is shown on the screenshot of [redacted]. | 01/15/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358858 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous | [redacted] years on job.<br>Excellent Credit Management with FICO [redacted]<br>Residual income is greater than [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-04-07): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): PC exception approval uploaded.<br>Reviewer Comment (2026-04-07): Calculated reserves [redacted], still do not meet minimum requirement of [redacted] with POCs included.<br>Buyer Comment (2026-04-07): Invoice for appraisal $[redacted]and HOI $[redacted]uploaded. This should clear the matter. |  |  | 04/07/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358859 |  | 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 ___. | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous | [redacted] years on job.<br>Excellent Credit Management with FICO [redacted]<br>Residual income is greater than [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-04-07): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): PC exception approval uploaded.<br>Reviewer Comment (2026-04-07): Calculated reserves [redacted], still do not meet minimum requirement of [redacted] with POCs included.<br>Reviewer Comment (2026-04-07): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-04-07): Invoice for appraisal $[redacted]and HOI $[redacted]uploaded. This should clear the matter. |  |  | 04/07/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358860 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Borrower's reserves of [redacted]do not meet the guideline requirements of[redacted] |  |  |  | Reviewer Comment (2026-04-07): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-03): System cleared. | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 150 (redacted) |  | 36358861 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. |  |  |  | Reviewer Comment (2026-04-07): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): PC exception approval uploaded.<br>Reviewer Comment (2026-04-07): Calculated reserves [redacted], still do not meet minimum requirement of [redacted] with POCs included.<br>Buyer Comment (2026-04-07): Invoice for appraisal $[redacted]and HOI $[redacted]uploaded. This should clear the matter. | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358862 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. |  |  |  | Reviewer Comment (2026-04-07): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-03): System cleared. | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 36358863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. |  |  |  | Reviewer Comment (2026-04-07): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): PC exception approval uploaded.<br>Reviewer Comment (2026-04-07): Calculated reserves [redacted], still do not meet minimum requirement of [redacted] with POCs included.<br>Buyer Comment (2026-04-07): Invoice for appraisal $[redacted]and HOI $[redacted]uploaded. This should clear the matter. | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 150 (redacted) |  | 36358864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's reserves of [redacted]do not meet the guideline requirements of [redacted]. |  |  |  | Reviewer Comment (2026-04-07): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2026-04-07): cleared in error.<br>Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): PC exception approval uploaded.<br>Reviewer Comment (2026-04-07): Calculated reserves [redacted], still do not meet minimum requirement of [redacted] with POCs included.<br>Buyer Comment (2026-04-07): Invoice for appraisal $[redacted]and HOI $[redacted]uploaded. This should clear the matter. | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 36358868 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property in a non warrantable condo which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted]<br>Miscellaneous | Residual income greater than [redacted]<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Buyer Comment (2026-03-31): [redacted] approval of non-warrantable condo project |  |  | 03/31/2026 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 36358871 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: [redacted] 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. | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  | Buyer Comment (2026-01-13): accept [redacted]grade |  |  | 01/13/2026 | 2 B |  | CO | 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 |
| (redacted) | 154 (redacted) |  | 36358876 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Appraisal proof of receipt is not provided for secondary appraisal. |  |  |  | Buyer Comment (2026-01-14): accept |  |  | 01/14/2026 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 36358879 |  | 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 borrower. | Insufficient or no cure provided to the borrower at closing. No valid COC provided for change. |  |  |  | Reviewer Comment (2026-02-09): [redacted] Received Corrected PCCD, LOE and true and certified final settlement statement.<br>Buyer Comment (2026-02-06): certified copy of final settlement statement uploaded<br>Reviewer Comment (2026-02-03): [redacted] received corrected PCCD and LOE moving the borrower shopped title fees from section [redacted]to [redacted]but the PCCD provided is after [redacted] days from the consummation. Required copy of true and certified final SS to finalize the fee.<br>Buyer Comment (2026-02-02): updated CD with cover letter uploaded<br>Reviewer Comment (2026-01-15): [redacted] received rebuttal comment. However, attorney fee, document preparation fee and sub escrow fee disclosed is in section B of final CD under borrower cannot shopped for the services section. Hence, the fees are calculated under [redacted]% tolerance. This is causing the fees are exceeds over [redacted]% tolerance. Provide valid COC for the fee was added or Corrected CD moving the title fees to Section C and LOE to borrower. Otherwise required cure to borrower.<br>Buyer Comment (2026-01-14): see settlement agent list uploaded, loan is wholesale transaction with no tolerance fees as borrower shopped settlement agent/title fees | 02/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 155 (redacted) |  | 36358881 |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. |  |  |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted]% tax abatement to coop dues for qualifying | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 36358882 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax and insurance verification documentation for REO [redacted] |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted]% tax abatement to coop dues for qualifying | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 36358883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing tax and insurance verification documentation for REO [redacted] |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted]% tax abatement to coop dues for qualifying | 03/09/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 155 (redacted) |  | 36358884 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing tax and insurance verification documentation for REO[redacted] |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted] tax abatement to coop dues for qualifying<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted]% tax abatement to coop dues for qualifying | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 36358885 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing tax and insurance verification documentation for REO[redacted] |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): updated 1003 and 1008 with note attachment page included. Also included are maintenance, coop docs and abatement factor for tax increase once property is no longer owner occupied. Tax cert not available at this time so loan was qualified with highest tax abatement for county. coop currently pays insurance and taxes with maintenance fees, added [redacted] tax abatement to coop dues for qualifying | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358889 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted]instead of guidelines minimum of [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]<br>The qualifying DTI on the loan is at least [redacted]<br> ess than the guideline maximum. | [redacted] years on job.<br>Borrower has owned the subject property for at least [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-09): Client elects to waive with compensating factors. |  |  | 01/09/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358890 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than guideline PITIA months reserves of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]<br>The qualifying DTI on the loan is at least [redacted]<br> ess than the guideline maximum. | [redacted] years on job.<br>Borrower has owned the subject property for at least [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-09): Client elects to waive with compensating factors. |  |  | 01/09/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358891 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated PITIA months reserves of [redacted] is less than guideline PITIA months reserves of [redacted] |  |  |  | Reviewer Comment (2026-01-09): Lender exception with compensating factors, system cleared. | 01/09/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 156 (redacted) |  | 36358892 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated PITIA months reserves of [redacted] is less than guideline PITIA months reserves of [redacted] |  |  |  | Reviewer Comment (2026-01-09): Lender exception with compensating factors, system cleared. | 01/09/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358895 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Representative FICO score of [redacted]instead of guidelines minimum of [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]<br>The qualifying DTI on the loan is at least [redacted]<br> ess than the guideline maximum. | [redacted] years on job.<br>Borrower has owned the subject property for at least [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-09): Client elects to waive with compensating factors. |  |  | 01/09/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358896 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted]is less than guideline PITIA months reserves of [redacted]. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has worked in the same position for more than [redacted]<br>The qualifying DTI on the loan is at least [redacted]<br> ess than the guideline maximum. | [redacted] years on job.<br>Borrower has owned the subject property for at least [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-09): Client elects to waive with compensating factors. |  |  | 01/09/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 36358897 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Calculated PITIA months reserves of [redacted]is less than guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-01-09): Lender exception with compensating factors, system cleared. | 01/09/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 36358899 |  | 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 Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reinspection fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. No valid change of circumstance in file. |  |  |  | Reviewer Comment (2026-01-14): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2026-01-13): Cure already completed, see attached. |  | 01/14/2026 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 157 (redacted) |  | 36358900 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/14/2026 |  | 1 A |  | NY | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 158 (redacted) |  | 36358902 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. (Type:[redacted]) |  |  |  | Reviewer Comment (2026-01-15): Cleared.<br>Buyer Comment (2026-01-13): Attached sent [redacted] | 01/15/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 158 (redacted) |  | 36358905 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-07): Sufficient Cure Provided At Closing |  | 01/07/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 159 (redacted) |  | 36358910 |  | 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 Subordination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-14): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) resulting in a cleared exception.<br>Buyer Comment (2026-01-13): Please see image [redacted] pages [redacted] - [redacted]and image [redacted] page [redacted] reflecting a cure of [redacted] that includes subordination fee. | 01/14/2026 |  |  | 1 C A |  | KY | 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 |
| (redacted) | 159 (redacted) |  | 36358912 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 B A C |  | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 159 (redacted) |  | 36358913 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on [redacted] | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced [redacted]using Appendix [redacted]. Loans with creditor application date on or after [redacted]are not eligible for QM based on [redacted]. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General [redacted]pricing-based test. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 159 (redacted) |  | 36358914 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for[redacted]. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/14/2026 |  | 1 A |  | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 160 (redacted) |  | 36358917 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $[redcated] is greater than Guideline maximum loan amount of $[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]or more.<br>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Qualifying ratios of [redacted] or less.<br>Excellent credit management with FICO [redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-01-08): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 160 (redacted) |  | 36358919 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 160 (redacted) |  | 36358920 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced [redacted]. Loans with creditor application date on or after [redacted] are not eligible for [redacted]. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 36358922 |  | 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 borrower at Closing.[redacted] |  |  |  |  | Reviewer Comment (2026-01-07): Sufficient Cure Provided At Closing |  | 01/07/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 161 (redacted) |  | 36358923 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 161 (redacted) |  | 36358924 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher [redacted]. Loans with creditor application date on or after [redacted] are not eligible for [redacted] Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 162 (redacted) |  | 36358927 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement reflects $[redacted]; however, Final CD page [redacted] |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): IEAD uploaded, no LOE required. | 01/16/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | Yes |
| (redacted) | 162 (redacted) |  | 36358929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 162 (redacted) |  | 36358930 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 36358932 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-13): Approve |  |  | 01/13/2026 | 2 A B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 36358934 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 36358935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Buyer Comment (2026-01-13): QM designation uploaded. | 01/16/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 164 (redacted) |  | 36358937 |  | 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]over legal limit. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was not disclosed on Loan Estimate. File contain a valid COC for this fee, evidence of cure. |  |  |  | Reviewer Comment (2026-02-12): [redacted] received attestation and holiday calendar. Considering [redacted] and [redacted] as holiday changes made is within [redacted] business days from the date of COC.<br>Buyer Comment (2026-02-11): Signed attestation uploaded<br>Reviewer Comment (2026-02-05): [redacted] received copy of a company calendar. [redacted] would require an addition to the lender's attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the office closed on [redacted] and [redacted] that supports the company calendar.<br>Buyer Comment (2026-02-04): Lender Holiday Calendar uploaded showing offices closed [redacted] and [redacted] .<br>Reviewer Comment (2026-01-28): [redacted]. thank you for the confirmation on Thanksgiving holiday. However, we required a LOA confirming the same along with the Lender Holiday Calendar for remediations.<br>Buyer Comment (2026-01-27): [redacted] was thanksgiving and thus not included in the count. based on general business days, and the COC document, with a changes received date of [redacted] the CD due date is [redacted].<br>Reviewer Comment (2026-01-22): [redacted] Received COC dated [redacted]; however, compensation pan changed on CD dated [redacted] which is not within [redacted] days of the change of circumstance. Provide corresponding CD for COC dated [redacted].<br>Buyer Comment (2026-01-21): borrower switched from lender paid broker comp to borrower paid broker comp, this is valid COC. See uploaded lock confirmations showing the change and the COC doc showing the COC for change to broker comp. | 02/12/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 164 (redacted) |  | 36358939 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to three ([redacted]) business days from transaction date of [redacted] | Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted] |  |  |  | Reviewer Comment (2026-02-12): [redacted] received evidence that [redacted] was receipt date of accurate material disclosures.<br>Buyer Comment (2026-02-04): The CD issued [redacted] was signed at consummation and thus is consummation CD. The [redacted] CD is identical in every way save the issue date, thus it is considered funder/PC CD, not requiring signature. Docs signed [redacted] i.e., Transaction date, - Closed is disbursement date [redacted] which meets [redacted]days wait period and did not fund prior to midnight of [redacted] per the NORTC which is accurate per the calendar above as Saturdays are counted. if necessary, please escalate to Linda<br>Reviewer Comment (2026-01-27): [redacted] was issued on [redacted] and was signed. The final CD [redacted] issued on [redacted] is not signed resulting in failing timing test.<br>Buyer Comment (2026-01-21): I am seeing a signed consummation CD for [redacted],[redacted]. Can you point to me the document that is pushing the transaction date back to [redacted] | 02/12/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 164 (redacted) |  | 36358940 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  | Reviewer Comment (2026-02-12): [redacted] received evidence that [redacted] was receipt date of accurate material disclosures.<br>Buyer Comment (2026-02-04): The CD issued [redacted] was signed at consummation and thus is consummation CD. The [redacted] CD is identical in every way save the issue date, thus it is considered funder/PC CD, not requiring signature. Docs signed [redacted] i.e., Transaction date, - Closed is disbursement date [redacted] which meets [redacted] days wait period and did not fund prior to midnight of [redacted] per the [redacted] which is accurate per the calendar above as [redacted] are counted. if necessary, please escalate to [redacted]<br>Reviewer Comment (2026-01-27): [redacted] was issued on [redacted] and was signed. The final CD [redacted] issued on [redacted] is not signed resulting in failing timing test.<br>Buyer Comment (2026-01-21): I am seeing a signed consummation CD for [redacted], [redacted]. Can you point to me the document that is pushing the transaction date back to [redacted]? | 02/12/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 164 (redacted) |  | 36358941 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-20): accept |  |  | 01/20/2026 | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358948 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): resident card uploaded. | 02/03/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358949 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. |  |  |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): resident card uploaded. | 02/03/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358951 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-01-21): accept |  |  | 01/21/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358952 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], 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], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-04): initial appraisal uploaded.<br>Reviewer Comment (2026-02-03): Initial appraisal delivered [redacted] missing from file to verify that no changes were made.<br>Buyer Comment (2026-02-02): I've uploaded the appraisal delivery for the [redacted] appraisal. I've also uploaded a screenshot of the mercury system showing the delivery of the [redacted] appraisal. The system also shows there is no earlier report than the [redacted] appraisal (effective date [redacted]). The latter appraisal was revised post-close and there was no change to the value. I request this exception be downgraded and waived at EV2. | 02/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358953 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-02-09): cleared.<br>Buyer Comment (2026-02-04): initial appraisal uploaded.<br>Reviewer Comment (2026-02-03): Initial appraisal delivered [redacted] missing from file to verify that no changes were made.<br>Buyer Comment (2026-02-02): I've uploaded the appraisal delivery for the [redacted] appraisal. I've also uploaded a screenshot of the mercury system showing the delivery of the [redacted] appraisal. The system also shows there is no earlier report than the [redacted] appraisal (effective date [redacted]). The latter appraisal was revised post-close and there was no change to the value. I request this exception be downgraded and waived at EV2. | 02/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 36358955 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Exception is an EV2 which can be elected to waive. |  |  |  | Reviewer Comment (2026-02-09): Cleared. | 02/09/2026 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 36358959 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraiser's license or certification was not active at the time of the appraisal. Note date is [redacted] and license expired on [redacted]. \*\*\*Update, the Note date is not relative to the exception. The appraisal licensing information available states the appraiser's license was not valid until [redacted] however the appraisal was completed on [redacted]. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-04): Incorrect. [redacted] shows the appraisers license effective from [redacted] through [redacted]<br>Reviewer Comment (2026-01-28): The appaiser's license was not valid until [redacted] which was after the appraisal, need evidence of prior licensing.<br>Buyer Comment (2026-01-21): The appraisal is effective as of [redacted], and the license expired after the appraisal [redacted]. Can you point to the guideline that requires the appraiser's license is required to be active through the note date? I am unable to find this. | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358962 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): appraisal report with delivery and appraisal update to support loan file delivery uploaded in loan file package<br>Buyer Comment (2026-01-22): appraisal report with delivery and appraisal update to support delivery docs in loan file | 01/27/2026 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358963 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]s equal to or greater than the threshold of APOR [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] or [redacted]Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): appraisal report with delivery and appraisal update uploaded | 01/27/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358964 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): appraisal report with delivery and appraisal update supporting delivery previously uploaded | 01/27/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358967 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-28): Cleared. | 01/28/2026 |  |  | 1 A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358968 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. Exception is an EV2 which can be elected to waive. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): initial appraisal report with delivery and final appraisal report delivery (final report is uploaded to loan file) | 01/28/2026 |  |  | 1 A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 172 (redacted) |  | 36358969 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal dated [redacted] received by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Reviewer Comment (2026-02-03): Client elects to waive.<br>Buyer Comment (2026-02-02): signed appraisal waiver<br>Buyer Comment (2026-02-02): appraisal waiver uploaded |  |  | 02/03/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 36358971 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject zip code not provided. |  | Subject property city name not valid as per zip code. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] is the appraisal showing correct address of [redacted] on both the cover letter and the first page of appraisal. [redacted] is the USPS zip code verification matching appraisal. | 01/27/2026 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 36358973 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | [redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. |  |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] Document uploaded | 01/27/2026 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 36358974 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | [redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. |  |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] Document uploaded | 01/27/2026 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 36358975 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Buyer Comment (2026-01-23): accept |  |  | 01/23/2026 | 2 B |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 174 (redacted) |  | 36358980 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds the guideline max of [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-13): Client elects to waive with compensating factors |  |  | 01/13/2026 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 174 (redacted) |  | 36358981 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to DTI exceeding [redacted] |  |  |  | Reviewer Comment (2026-01-14): Loan is NonQM | 01/14/2026 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 174 (redacted) |  | 36358982 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds the guideline max of [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-13): Client elects to waive with compensating factors. |  |  | 01/13/2026 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 174 (redacted) |  | 36358983 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds the guideline max of [redacted] |  |  |  | Reviewer Comment (2026-01-13): Lender exception with compensating factors, system cleared. | 01/13/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 175 (redacted) |  | 36358985 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement missing from the file. |  |  |  | Buyer Comment (2026-01-23): accept |  |  | 01/23/2026 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 175 (redacted) |  | 36358986 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2026-01-23): Accept |  |  | 01/23/2026 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 175 (redacted) |  | 36358988 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal transfer letter missing from the file. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-23): [redacted] is the appraisal transfer letter. | 01/28/2026 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 175 (redacted) |  | 36358989 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property ineligible. |  |  |  | Reviewer Comment (2026-03-27): [redacted] approval in file for property.<br>Reviewer Comment (2026-03-27): ...<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2026-01-13): Client elects to waive with compensating factors. | 03/27/2026 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36358992 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal delivery receipt is not provided of primary appraisal to the borrower. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Appraisal Delivery | 01/27/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36358993 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], 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], or [redacted]. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): appraisal delivery | 01/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36358994 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal delivery receipt is not provided of primary appraisal to the borrower. |  |  |  | Reviewer Comment (2026-01-27): Cleared<br>Buyer Comment (2026-01-22): appraisal delivery report | 01/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36358996 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2026-01-27): cleared.<br>Buyer Comment (2026-01-22): executed initial escrow acct disc | 01/27/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36358997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Provided to All Parties Test | TILA-RESPA Integrated Disclosure: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Signed Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  |  | Reviewer Comment (2026-01-23): [redacted] received final CD for spouse.<br>Buyer Comment (2026-01-22): fully executed consummation CD | 01/23/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure, and proof of delivery and NORTC if reopened rescission required B A | Non QM | Non QM | Yes |
| (redacted) | 176 (redacted) |  | 36358998 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [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 (2026-01-23): [redacted] received final CD for spouse.<br>Buyer Comment (2026-01-22): NORTC signed [redacted], [redacted] business days rescission period expired [redacted], loan disbursed [redacted] [redacted] | 01/23/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 176 (redacted) |  | 36358999 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date [redacted] |  |  |  | Reviewer Comment (2026-01-23): [redacted] received final CD for spouse.<br>Buyer Comment (2026-01-22): NORTC signed [redacted], [redacted] business days rescission period expired [redacted], loan disbursed [redacted] [redacted] | 01/23/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 176 (redacted) |  | 36359000 |  | 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 ___. | Borrower's assets are insufficient to satisfy reserve requirement. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>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. | Low default risk with substantial equity Position - [redacted] LTV lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-13): Client elects to waive with compensating factors. |  |  | 01/13/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36359001 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's assets are insufficient to satisfy reserve requirement. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>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. | Low default risk with substantial equity Position - [redacted] LTV lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-01-13): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36359002 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to Borrower's assets are insufficient to satisfy reserve requirement. |  |  |  | Reviewer Comment (2026-01-13): Lender exception with compensating factors, system cleared. | 01/13/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 176 (redacted) |  | 36359003 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's assets are insufficient to satisfy reserve requirement. |  |  |  | Reviewer Comment (2026-01-13): Lender exception with compensating factors, system cleared. | 01/13/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36359004 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower's assets are insufficient to satisfy reserve requirement. |  |  |  | Reviewer Comment (2026-01-13): Lender exception with compensating factors, system cleared. | 01/13/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 176 (redacted) |  | 36359005 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a rural property. |  |  |  | Reviewer Comment (2026-03-30): Rural property reviewed by [redacted] per guidelines, cleared.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-01-13): Client elects to waive with compensating factors. | 03/30/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 36359009 |  | 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 Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis was last disclosed as [redacted]n LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-20): Sufficient Cure Provided At Closing |  | 01/20/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 178 (redacted) |  | 36359010 |  | 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 Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The tolerance cure for the Collateral Desktop Analysis of [redacted] was located on the Closing Disclosure. |  |  |  | Reviewer Comment (2026-01-28): 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 (2026-01-27): increased fee credit applied at funding, see funder CD page [redacted] lender credit noted | 01/28/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 178 (redacted) |  | 36359011 |  | 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 Re-Issue Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee listed on the Loan Estimate issued on [redacted] reflects [redacted] and the Closing Disclosure issued on [redacted] reflects [redacted] with no changed circumstance regarding the increase of the fee. |  |  |  | Reviewer Comment (2026-01-28): [redacted] Cure provided within [redacted] days of the closing date.<br>Buyer Comment (2026-01-27): additional credit applied with principal reduction and pccd with cover letter attached | 01/28/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 178 (redacted) |  | 36359012 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/28/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 178 (redacted) |  | 36359013 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-01-28): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/28/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 179 (redacted) |  | 36359017 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-11): Approve<br>Reviewer Comment (2026-02-10): Document uploaded only mentions that that the AVM report delivery disclosure was sent, it does not state AVM report was sent or attached to the email. Please provided evidence that the AVM was delivered to borrower.<br>Buyer Comment (2026-02-04): subject line on email is AVM delivery, please escalate if this is not sufficient. I cannot upload the sent email; any attachment I upload will be a separate document. I have reuploaded the email AVM delivery and appraisal report delivery<br>Reviewer Comment (2026-02-02): Document uploaded reflects in subject line "AVM Report Delivery Disclosure". Please upload document that reflects the attachment so we can view that the report was sent and not a disclosure.<br>Buyer Comment (2026-02-02): loan file includes copy of AVM doc [redacted], prior upload supported delivery of report to borrower and doc [redacted] appraisal waiver in loan file. Please clarify what is needed to cure this exception<br>Reviewer Comment (2026-01-29): Trailing document is delivery of AVM Report delivery disclosure not of the AVM report.<br>Buyer Comment (2026-01-27): emailed appraisal report to borrower prior to closing |  |  | 02/11/2026 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 180 (redacted) |  | 36359021 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Page [redacted]of Note is missing in file. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): page [redacted] uploaded. | 01/30/2026 |  |  | 1 D A |  | MI | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 180 (redacted) |  | 36359022 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-03-30): Cleared. | 03/30/2026 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 181 (redacted) |  | 36359024 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): [redacted] bank statement uploaded. | 02/02/2026 |  |  | 1 C A |  | NE | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 181 (redacted) |  | 36359025 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): [redacted] bank statement uploaded. | 02/02/2026 |  |  | 1 C A |  | NE | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 181 (redacted) |  | 36359028 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): [redacted] bank statement uploaded. | 02/02/2026 |  |  | 1 B A C |  | NE | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 181 (redacted) |  | 36359029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [redacted] due to [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): [redacted] bank statement uploaded. | 02/02/2026 |  |  | 1 C A |  | NE | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 182 (redacted) |  | 36359033 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-20): Sufficient Cure Provided At Closing |  | 01/20/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | Yes |
| (redacted) | 182 (redacted) |  | 36359034 |  | 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] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-20): Sufficient Cure Provided At Closing |  | 01/20/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| (redacted) | 182 (redacted) |  | 36359035 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-03-31): accept [redacted] grade<br>Buyer Comment (2026-03-31): appraisal receipt [redacted] |  |  | 03/31/2026 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 185 (redacted) |  | 36359043 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | Flood insurance premium not provided. |  |  |  | Reviewer Comment (2026-01-29): Cleared.<br>Buyer Comment (2026-01-28): hoa flood insurance provided | 01/29/2026 |  |  | 1 C A |  | NH | Second Home | Purchase | D B A | Non QM | Non QM | No |
| (redacted) | 185 (redacted) |  | 36359045 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Escrowed for Taxes only. |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): updated IEAD<br>Reviewer Comment (2026-01-29): IEAD reflects initial deposit as [redacted]. CD reflects [redacted]<br>Buyer Comment (2026-01-27): signed IEAD and funder CD supporting tax impounds | 02/03/2026 |  |  | 1 B A |  | NH | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 185 (redacted) |  | 36359047 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted]. The report date of the appraisal in the file is [redacted]. Missing a copy of the appraisal provided to the borrower on [redacted]. |  |  |  | Reviewer Comment (2026-01-29): Cleared.<br>Buyer Comment (2026-01-27): [redacted] appraisal report, [redacted] appraisal report and [redacted] appraisal delivery | 01/29/2026 |  |  | 1 D A |  | NH | Second Home | Purchase | D B A | Non QM | Non QM | No |
| (redacted) | 185 (redacted) |  | 36359048 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): appraisal reports and delivery uploaded | 01/30/2026 |  |  | 1 B A |  | NH | Second Home | Purchase | D B A | Non QM | Non QM | No |
| (redacted) | 185 (redacted) |  | 36359049 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo non-warrantable. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income is greater than [redacted]<br>[redacted] years on job.<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Low housing ratio [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-26): Client elects to waive with compensating factors. |  |  | 01/26/2026 | 2 B |  | NH | Second Home | Purchase | D B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359052 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-03): Cleared. | 02/03/2026 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359053 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-03): Cleared. | 02/03/2026 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359054 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]or [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Clarity calculated APR exceeds threshold of APR [redacted] |  |  |  | Reviewer Comment (2026-02-03): Cleared. | 02/03/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359055 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted]days prior to closing. |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): primary appraisal delivery uploaded. | 02/03/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359056 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted]days prior to closing. |  |  |  | Reviewer Comment (2026-02-03): Cleared. | 02/03/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 36359059 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-04): Accept |  |  | 02/04/2026 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 36359061 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | A Borrower has a disputed charge-off with a [redacted] account without payment plan. Provide documentation supporting the validity of the dispute. |  |  |  | Reviewer Comment (2026-03-27): Unsecured charge off > [redacted] months within guidelines.<br>Reviewer Comment (2026-03-27): ..<br>Buyer Comment (2026-01-27): accept | 03/27/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 36359063 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-01-27): accept |  |  | 01/27/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 36359066 |  | 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 borrower. | Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]or [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-03): [redacted] Received Corrected PCCD and LOE moving fee to section C.<br>Buyer Comment (2026-02-02): PCCD in alternate format uploaded,.<br>Reviewer Comment (2026-02-02): [redacted] Received PCCD in standard format and all the CDs in file are in Alternate format. Provide PCCD in Alternate format.<br>Buyer Comment (2026-01-30): Funder placed the fee in the wrong section. Corrected CD, LOE to borrower uploaded.<br>Reviewer Comment (2026-01-28): [redacted] received rebuttal, however final CD [redacted] shows the title deed prep fee of [redacted] under sec B of CD. Please provide valid COC for addition of fee on sec B of CD dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-01-27): Final Cd shows the fee of doc prep under section C, so borrower shopped for this service, and [redacted] is SSPL showing borrower did not use an affiliate. There is no tolerance for this fee. | 02/03/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 187 (redacted) |  | 36359067 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] | Loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] |  |  |  | Reviewer Comment (2026-01-29): Cleared.<br>Reviewer Comment (2026-01-29): CD issued [redacted] is signed [redacted]. CD issued [redacted] not signed resulting in failing the timing test.<br>Buyer Comment (2026-01-27): I see CD [redacted] signed by all parties. What is your data pushing the transaction date back to [redacted] | 01/29/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| (redacted) | 187 (redacted) |  | 36359068 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of Right to Cancel occurs prior to expected date. |  |  |  | Reviewer Comment (2026-01-29): cleared. | 01/29/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| (redacted) | 187 (redacted) |  | 36359069 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed adding a borrower to title was not provided. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): QCD uploaded. | 02/02/2026 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359071 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): taxes invoice and updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Buyer Comment (2026-01-30): disregard last message<br>Buyer Comment (2026-01-30): Cash-out proceeds are permitted to be used as reserves for Prime-Advantage.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out.<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359072 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2026-01-27): accept |  |  | 01/27/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359073 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): delivery conf uploaded | 02/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359074 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): delivery conf uploaded | 02/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359076 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-02-18): [redacted] [redacted] [redacted] confirms borrower assets to be $[redacted] / $[redacted] = [redacted] months.<br>Reviewer Comment (2026-02-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out. Cash required from borrower [redacted]<br>Reviewer Comment (2026-01-29): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359077 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to insufficient Assets. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): taxes invoice and updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out. Cash required from borrower [redacted]<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359078 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted]. The report date of the appraisal in the file is [redacted]. Missing a copy of the appraisal provided to the borrower on [redacted] |  |  |  | Reviewer Comment (2026-02-02): Provided.<br>Buyer Comment (2026-01-30): [redacted] appraisal uploaded. | 02/02/2026 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to short the required reserves. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): taxes invoice and updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out. Cash required from borrower [redacted]<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 188 (redacted) |  | 36359080 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient funds for reserves provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): taxes invoice and updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out. Cash required from borrower [redacted]<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359081 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-01-27): accept |  |  | 01/27/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 188 (redacted) |  | 36359082 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Calculated PITIA months reserves of [redacted] is less than guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] [redacted] confirms borrower assets to be $[redacted] / $[redacted] = [redacted] months.<br>Reviewer Comment (2026-02-06): Final CD reflects property taxes for $[redacted] as paid outside closing. Please provide invoice. <br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-02-04): appraisal invoice uploaded, [redacted] is tax record proving that the property taxes are paid through [redacted] with the next due date of [redacted].<br>Reviewer Comment (2026-02-02): Provide invoice for a total of $[redacted] (Appraisal and taxes) paid before closing.<br> $[redacted] - $[redacted] = $[redacted]. Required reserves $[redacted].<br> Final [redacted] reflects gift funds $[redacted]. Please provide an updated [redacted] if the gift listed was an error.<br>Buyer Comment (2026-01-30): PITIA is $[redacted] \* [redacted] = $[redacted]. Borrower's funds are $[redacted]. Sufficient reserves.<br>Reviewer Comment (2026-01-29): Insufficient reserves due to [redacted] payoff considered cash out. Cash required from borrower [redacted]<br>Buyer Comment (2026-01-27): [redacted] is the bank account showing balance of [redacted]. The UW cleared the loan to close with NO gift, she states the LOS showing a gift was an error. Additionally, due to the file being a refinance, large deposits are not required to be sourced. Therefore, the balance of [redacted] is the borrower's funds available for reserves. Which is sufficient for [redacted] months. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 189 (redacted) |  | 36359087 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): Please see [redacted] | 01/27/2026 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 189 (redacted) |  | 36359088 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted], or [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): Waterfal, please see [redacted] | 01/27/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 189 (redacted) |  | 36359089 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [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 (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): Attached, borrower viewed electronically same day. | 01/27/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 36359091 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | CPA letter verification does not show the verification date. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): Date was cut off, attached complete version. | 01/27/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 36359093 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  | Hazard Insurance provided was expired on [redacted] |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): Confirmation of renewal attached, expiration [redacted]. | 01/27/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 36359096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing verification date on CPA letter. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] | 01/27/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 190 (redacted) |  | 36359097 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing verification date on CPA letter. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] | 01/27/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 191 (redacted) |  | 36359099 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [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 (2026-01-29): Cleared.<br>Buyer Comment (2026-01-27): page [redacted] of the document shows the loan amount. uploaded. | 01/29/2026 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 192 (redacted) |  | 36359103 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-01-23): accept |  |  | 01/23/2026 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 192 (redacted) |  | 36359106 |  | 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 - Examination Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Title - Examination Fee increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-26): [redacted] the fee are within tolerance limit.<br>Buyer Comment (2026-01-23): The fee is in section C on CD, therefore borrower shopped for fee. Additionally, [redacted] is SSPL, and the borrower elected a company other than the service provider suggested. There is no tolerance on this fee. | 01/26/2026 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 194 (redacted) |  | 36359113 |  | 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 are [redacted]. Due Diligence Amount Financed are [redacted]. There is a variance of [redacted]. This was cured on the Post Close Closing Disclosure. |  |  |  | Reviewer Comment (2026-03-12): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-11): Executed NORTC, check, tracking, and PCCD attached.<br>Reviewer Comment (2026-01-27): [redacted] received lender rebuttal that a fee was categorized in error. The payee name & categorization did not change to effect the finance charge calculation. The final CD issued [redacted] and wet signed on [redacted] disclosed a Finance Charge of $[redacted]. The calculation by [redacted] is $[redacted]. In reviewing lender's compliance report, the report reflects that the finance charge calculation should have been $[redacted].[redacted] which would have been within tolerance and not underdisclosed at closing. [redacted] calculation matches except for the Attorney fee of $[redacted] that lender included in the compliance report calculation. The finance charge was underdisclosed to borrower at closing which requires cure. Corrected CD, LOE to borrower, copy of cure refund of $[redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-01-26): This was a fee categorization error rather than a true finance charge error. Attached are the Consummation CD and Funder CD. Note the Funder CD shows the correct Finance Charge/Amount Financed, but the closing costs and cash paid at closing remain the same between the [redacted]. The miscategorized fees on the Consummation CD are $[redacted] recording services categorized in Section E and $[redacted] Title - Settlement - Other categorized in section C but attributed to "[redacted]" incorrectly. Once the payee was corrected to [redacted], [redacted], and fees placed in the correct sections, the Finance Charge matches the disclosed amounts. |  | 03/12/2026 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 194 (redacted) |  | 36359114 |  | 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 Charges are [redacted] Due Diligence Finance Charges are[redacted]. There is a variance of -[redacted]. This was cured on the Post Close Closing Disclosure. |  |  |  | Reviewer Comment (2026-03-12): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-11): Please see [redacted] attachments.<br>Reviewer Comment (2026-01-27): [redacted] received lender rebuttal that a fee was categorized in error. The payee name & categorization did not change to effect the finance charge calculation. The final CD issued [redacted] and wet signed on [redacted] disclosed a Finance Charge of $[redacted]. The calculation by [redacted] is $[redacted]. In reviewing lender's compliance report, the report reflects that the finance charge calculation should have been $[redacted] which would have been within tolerance and not underdisclosed at closing. [redacted] calculation matches except for the Attorney fee of $[redacted] that lender included in the compliance report calculation. The finance charge was underdisclosed to borrower at closing which requires cure. Corrected CD, LOE to borrower, copy of cure refund of $[redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-01-26): This was a fee categorization error rather than a true finance charge error. Attached are the Consummation CD and Funder CD. Note the Funder CD shows the correct Finance Charge/Amount Financed, but the closing costs and cash paid at closing remain the same between the [redacted]. The miscategorized fees on the Consummation CD are $[redacted] recording services categorized in Section E and $[redacted] Title - Settlement - Other categorized in section C but attributed to "[redacted]" incorrectly. Once the payee was corrected to [redacted], [redacted], and fees placed in the correct sections, the Finance Charge matches the disclosed amounts. |  | 03/12/2026 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 194 (redacted) |  | 36359115 |  | 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. | Page [redacted] shows Flood Insurance in "Other". |  |  |  | Buyer Comment (2026-01-26): . |  |  | 01/26/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| (redacted) | 195 (redacted) |  | 36359117 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per the CDA and evidence of delivery, the preliminary appraisal was completed on [redacted] and delivered to the borrower on [redacted]. The appraisal dated [redacted] was not provided. |  |  |  | Reviewer Comment (2026-01-30): Provided.<br>Buyer Comment (2026-01-28): Appraisal uploaded. | 01/30/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 36359119 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The Borrower's reserves of [redacted] do not meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-06): Appraisal invoice reflecting paid with a cc.<br>Reviewer Comment (2026-04-06): Your cash to close does not include the POCs for the appraisal, credit report or insurance. If one of these can be documented, it may be enough to verify [redacted] months reserves.<br>Buyer Comment (2026-04-06): Pease see image [redacted] pages [redacted]- [redacted]. [redacted] acct #[redacted]ending [redacted] $[redacted], #[redacted]$[redacted]. Verified assets $[redacted], CTC $[redacted]. Reserves $[redacted]. [redacted] months reserves meets guideline requirement. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 36359120 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower's reserves of [redacted] do not meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-06): Appraisal invoice reflecting paid with a cc.<br>Reviewer Comment (2026-04-06): Your cash to close does not include the POCs for the appraisal, credit report or insurance. If one of these can be documented, it may be enough to verify [redacted] months reserves.<br>Buyer Comment (2026-04-06): Pease see image [redacted] pages [redacted] - [redacted]. [redacted] acct #[redacted]ending [redacted] $[redacted], #[redacted]$[redacted]. Verified assets $[redacted], CTC $[redacted]. Reserves $[redacted]. [redacted] months reserves meets guideline requirement. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 36359121 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The Borrower's reserves of [redacted] do not meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-06): Appraisal invoice reflecting paid with a cc.<br>Reviewer Comment (2026-04-06): Your cash to close does not include the POCs for the appraisal, credit report or insurance. If one of these can be documented, it may be enough to verify [redacted] months reserves.<br>Buyer Comment (2026-04-06): Pease see image [redacted] pages [redacted] - [redacted]. [redacted] acct #[redacted]ending [redacted] $[redacted], #[redacted]$[redacted]. Verified assets $[redacted], CTC $[redacted]. Reserves $[redacted]. [redacted] months reserves meets guideline requirement. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Non QM | Yes |
| (redacted) | 195 (redacted) |  | 36359122 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The Borrower's reserves of [redacted] do not meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-06): Appraisal invoice reflecting paid with a cc.<br>Reviewer Comment (2026-04-06): Your cash to close does not include the POCs for the appraisal, credit report or insurance. If one of these can be documented, it may be enough to verify [redacted] months reserves.<br>Buyer Comment (2026-04-06): Pease see image [redacted] pages [redacted] - [redacted]. [redacted] acct #[redacted]ending [redacted] $[redacted], #[redacted]$[redacted]. Verified assets $[redacted], CTC $[redacted]. Reserves $[redacted]. [redacted] months reserves meets guideline requirement. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 36359123 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Borrower's reserves of [redacted] do not meet the reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-06): Appraisal invoice reflecting paid with a cc.<br>Reviewer Comment (2026-04-06): Your cash to close does not include the POCs for the appraisal, credit report or insurance. If one of these can be documented, it may be enough to verify [redacted] months reserves.<br>Buyer Comment (2026-04-06): Pease see image [redacted] pages [redacted] - [redacted]. [redacted] acct #[redacted]ending [redacted] $[redacted], #[redacted]$[redacted]. Verified assets $[redacted], CTC $[redacted]. Reserves $[redacted]. [redacted] months reserves meets guideline requirement. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 36359127 |  | 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 borrower. | Credit Report Fee in loan estimate is [redacted] and closing disclosure reflects [redacted]. No valid coc in file. |  |  |  | Reviewer Comment (2026-01-27): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) resulting in a cleared exception.<br>Buyer Comment (2026-01-26): $[redacted] already cured on this case | 01/27/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 196 (redacted) |  | 36359128 |  | 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]. Appraisal invoice not provided in file. Large deposit of [redacted]excluded. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-26): Attached | 01/27/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 36359129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] Appraisal invoice not provided in file. Large deposit of [redacted] excluded. |  |  |  | Reviewer Comment (2026-01-27): Cleared<br>Buyer Comment (2026-01-26): Please see [redacted] | 01/27/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 196 (redacted) |  | 36359130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Appraisal invoice not provided in file. Large deposit of [redacted]excluded. |  |  |  | Reviewer Comment (2026-01-27): Cleared<br>Buyer Comment (2026-01-26): Please see [redacted] | 01/27/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 36359131 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets are insufficient to satisfy reserve requirements. |  |  |  | Reviewer Comment (2026-01-27): Cleared<br>Buyer Comment (2026-01-26): Please see [redacted] | 01/27/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 36359132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Assets are insufficient to satisfy reserve requirements. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-26): Please see [redacted] | 01/27/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 36359133 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-01-27): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/27/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 197 (redacted) |  | 36359136 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-21): Sufficient Cure Provided At Closing |  | 01/21/2026 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 198 (redacted) |  | 36359138 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-01-26): . |  |  | 01/26/2026 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 199 (redacted) |  | 36359139 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-28): accept ev2 grade |  |  | 01/28/2026 | 2 A B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 199 (redacted) |  | 36359145 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Evidence of satisfaction is required due to balance exceeding the maximum allowed per guidelines. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-04): this is an unsecure charge-off older than [redacted] months with obligation to the original creditor terminating [redacted]. We would not restart the clock for seasoning determination once transferred to collection agency. Based on uploaded documents this account meets statute of limitation requirements for the state<br>Reviewer Comment (2026-01-29): Per guides page [redacted] collections and charge offs balance exceeding $[redacted] must be paid in full.<br>Buyer Comment (2026-01-27): please see search for statute of limitations, charge off reported over [redacted] years ago exceeding statute requirements | 02/06/2026 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 201 (redacted) |  | 36359149 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): [redacted] appraisal delivery uploaded | 02/03/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 201 (redacted) |  | 36359152 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2026-02-03): Cleared.<br>Buyer Comment (2026-02-02): [redacted] appraisal report<br>Buyer Comment (2026-02-02): [redacted] appraisal report delivery uploaded | 02/03/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 201 (redacted) |  | 36359155 |  | Property | Insurance | General | Insurance | FEMA Disaster Issue: The most recent valuation inspection is dated on or after the most recent FEMA disaster declaration date. However, FEMA has not yet specified a Disaster End Date. |  |  |  |  |  | Reviewer Comment (2026-02-03): cleared. | 02/03/2026 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 201 (redacted) |  | 36359156 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-02-04): Approve |  |  | 02/04/2026 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 201 (redacted) |  | 36359157 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to [redacted] ([redacted]) business days prior to consummation. | Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-02-04): Approve |  |  | 02/04/2026 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 202 (redacted) |  | 36359161 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-04-06): Waived per client request. |  |  | 04/06/2026 | 2 A B |  | AR | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 205 (redacted) |  | 36359167 |  | 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 (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): Coverage is sufficient. $[redacted] dwelling plus $[redacted] Other Structures is $[redacted], which exceeds the loan amount. | 01/28/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 36359171 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): Internal tracking attached, sent same day. | 01/28/2026 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 36359173 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. Missing supporting documentation for POCs for $[redacted]. |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-01): See attached. Payment shown on bank statement on [redacted]. | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 36359174 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient reserves provided. Missing supporting documentation for POCs for $[redacted]. |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-01): [redacted] | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 36359175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves provided. Missing supporting documentation for POCs for $[redacted]. |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-01): [redacted] | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 206 (redacted) |  | 36359176 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Insufficient reserves provided. Missing supporting documentation for POCs for $[redacted]. |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-01): [redacted] | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 36359177 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient reserves provided. Missing supporting documentation for POCs for $[redacted]. |  |  |  | Reviewer Comment (2026-04-06): Received POC documentation.<br>Buyer Comment (2026-04-01): [redacted] | 04/06/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 36359179 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Buyer Comment (2026-01-28): accept |  |  | 01/28/2026 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 36359182 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2026-01-29): Cleared.<br>Buyer Comment (2026-01-27): Attached | 01/29/2026 |  |  | 1 D A |  | PA | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 209 (redacted) |  | 36359186 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |  | 01/23/2026 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 210 (redacted) |  | 36359191 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation |  |  |  | Reviewer Comment (2026-01-29): Cleared.<br>Buyer Comment (2026-01-27): Internal tracking attached, sent same day | 01/29/2026 |  |  | 1 B A |  | CA | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359195 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing the required Insurance Verification, Tax Verification for REO #[redacted]. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): Attached. Appears these were not included in DTI calculations; new DTI is [redacted]%/[redacted]%, net loss on [redacted] [redacted] is $[redacted]. | 01/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359198 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax and insurance verification documentation for REO #[redacted]. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): [redacted]of [redacted] | 01/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359199 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing tax and insurance verification documentation for REO #[redacted]. |  |  |  | Reviewer Comment (2026-04-09): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-04-08): attached post-close exception waiving reserve requirements<br>Buyer Comment (2026-04-08): Please see appraisal invoice showing paid by spouse. Borrower is not short reserves.<br>Reviewer Comment (2026-04-08): Calculated PITIA months reserves of [redacted] is less than guideline requirements of 6 months.<br>Reviewer Comment (2026-04-08): Insufficient reserves<br>Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): [redacted]of [redacted] | 04/09/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 212 (redacted) |  | 36359200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing tax and insurance verification documentation for REO #[redacted]. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): [redacted]of [redacted] | 01/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing tax and insurance verification documentation for REO #[redacted]. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): [redacted]of [redacted] | 01/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359202 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file is missing evidence of receipt of gift funds and reserves of [redacted] is less than required of [redacted]. UPDATE [redacted] reserves met, only missing receipt of gift funds at closing of $[redacted] as gift letter indicated. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than [redacted]<br>[redacted] years on job.<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-04-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-04-08): Please see appraisal invoice showing paid by spouse. Borrower is not short reserves.<br>Reviewer Comment (2026-04-06): Loan only meets reserves if receipt of gift funds at closing is documented. If gift were removed, the loan would no longer meet reserve requirements.<br>Buyer Comment (2026-04-06): If gift is excluded, does that resolve this finding?<br>Reviewer Comment (2026-04-06): Documented deposit, reserves met, but gift was not fully documented as did not document receipt of gifts as closing as gift letter indicated.<br>Buyer Comment (2026-04-02): Account [redacted] shows $[redacted] excluded from the balance, which appears to be due to source as a transfer from account [redacted]. However, this amount is also not included in the qualifying balance of account [redacted], effectively not giving borrower credit for $[redacted] of his own funds. Please review and determine if correction is warranted and whether that resolves reserves finding. |  |  | 04/09/2026 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359203 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves of [redacted] is less than required of [redacted] per guidelines. |  |  |  | Reviewer Comment (2026-04-06): Reserves met.<br>Buyer Comment (2026-04-02): Account [redacted] shows $[redacted] excluded from the balance, which appears to be due to source as a transfer from account [redacted]. However, this amount is also not included in the qualifying balance of account [redacted], effectively not giving borrower credit for $[redacted] of his own funds. Please review and determine if correction is warranted and whether that resolves reserves finding. | 04/06/2026 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359204 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than guideline requirements of [redacted] months. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than [redacted]<br>[redacted] years on job.<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-04-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-04-08): Please see appraisal invoice showing paid by spouse. Borrower is not short reserves. |  |  | 04/09/2026 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 36359205 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted] is less than guideline requirements of [redacted] months. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than [redacted]<br>[redacted] years on job.<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-04-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-04-08): Please see appraisal invoice showing paid by spouse. Borrower is not short reserves. |  |  | 04/09/2026 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 216 (redacted) |  | 36359215 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): I see the verbiage that is creating the confusion. [redacted] updated and uploaded. There are no other costs associated with the mortgage outside what is paid on the mortgage statement provided.<br>Reviewer Comment (2026-02-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification<br>Reviewer Comment (2026-02-09): Trailing [redacted] reflects $[redacted] in the section for insurances, taxes HOA etc if not included in the monthly mortgage. and monthly mortgage payment of $[redacted]. The mortgage statement reflects total of $[redacted] including taxes and insurance.<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted]is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final [redacted] reflects an amount of $[redacted] for other payments not included in monthly mortgage payment.<br>Buyer Comment (2026-02-03): property report uploaded showing the land use in NOT PUD, therefore no HOA. | 02/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 216 (redacted) |  | 36359218 |  | 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. RCE provided is dated [redacted] and was not used. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): Current RCE uploaded regarding documented policy period uploaded.<br>Reviewer Comment (2026-02-10): RCE provided was completed [redacted] which prior to policy start date of [redacted] therefore it is considered outdated.<br>Buyer Comment (2026-02-09): an RCE completed after the policy start would be current. an RCE completed prior to policy start would be outdated. Additionally, there is no mention in the policy or guidelines that requires the RCE be completed as of the start of the policy date.<br>Buyer Comment (2026-02-09): disregard<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted] is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): RCE provided is dated [redacted] and current policy effective date is [redacted]. Please provide current RCE.<br>Buyer Comment (2026-02-03): [redacted] is RCE showing the replacement cost of $[redacted] million. Coverage is $[redacted] million. Coverage is sufficient. | 02/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 216 (redacted) |  | 36359219 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification documentation for REO #[redacted]for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): I see the verbiage that is creating the confusion. [redacted] updated and uploaded. There are no other costs associated with the mortgage outside what is paid on the mortgage statement provided.<br>Reviewer Comment (2026-02-09): Trailing [redacted] reflects $[redacted] in the section for insurances, taxes HOA etc if not included in the monthly mortgage. and monthly mortgage payment of $[redacted]. The mortgage statement reflects total of $[redacted] including taxes and insurance.<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted] is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final [redacted] reflects an amount of $[redacted] for other payments not included in monthly mortgage payment.<br>Buyer Comment (2026-02-03): [redacted] is mortgage statement for [redacted] showing the taxes and insurance, and therefore total payment.<br>Buyer Comment (2026-02-03): property report uploaded showing the land use in NOT PUD, therefore no HOA. | 02/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 216 (redacted) |  | 36359220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing verification documentation for REO #[redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): I see the verbiage that is creating the confusion. [redacted] updated and uploaded. There are no other costs associated with the mortgage outside what is paid on the mortgage statement provided.<br>Reviewer Comment (2026-02-09): Trailing [redacted] reflects $[redacted] in the section for insurances, taxes HOA etc if not included in the monthly mortgage. and monthly mortgage payment of $[redacted]. The mortgage statement reflects total of $[redacted] including taxes and insurance.<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted] is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final [redacted] reflects an amount of $[redacted] for other payments not included in monthly mortgage payment.<br>Buyer Comment (2026-02-03): [redacted] is mortgage statement for [redacted] showing the taxes and insurance, and therefore total payment.<br>Buyer Comment (2026-02-03): property report uploaded showing the land use in NOT PUD, therefore no HOA. | 02/10/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 216 (redacted) |  | 36359221 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification documentation for REO #[redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): I see the verbiage that is creating the confusion. [redacted] updated and uploaded. There are no other costs associated with the mortgage outside what is paid on the mortgage statement provided.<br>Reviewer Comment (2026-02-09): Trailing [redacted] reflects $[redacted] in the section for insurances, taxes HOA etc if not included in the monthly mortgage. and monthly mortgage payment of $[redacted]. The mortgage statement reflects total of $[redacted] including taxes and insurance.<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted] is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final [redacted] reflects an amount of $[redacted] for other payments not included in monthly mortgage payment.<br>Buyer Comment (2026-02-03): [redacted] is mortgage statement for [redacted] showing the taxes and insurance, and therefore total payment.<br>Buyer Comment (2026-02-03): property report uploaded showing the land use in NOT PUD, therefore no HOA. | 02/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 216 (redacted) |  | 36359222 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification documentation for REO #[redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-10): I see the verbiage that is creating the confusion. [redacted] updated and uploaded. There are no other costs associated with the mortgage outside what is paid on the mortgage statement provided.<br>Reviewer Comment (2026-02-09): Trailing [redacted] reflects $[redacted] in the section for insurances, taxes HOA etc if not included in the monthly mortgage. and monthly mortgage payment of $[redacted]. The mortgage statement reflects total of $[redacted] including taxes and insurance.<br>Buyer Comment (2026-02-09): [redacted] is [redacted] that states the $[redacted] is the taxes insurance and association dues, not "other payments." [redacted] is mortgage statement showing the amount for taxes and insurance in the explanation of amount due section. The property report uploaded shows that there is not HOA/PUD. Updated [redacted] uploaded.<br>Reviewer Comment (2026-02-06): Final [redacted] reflects an amount of $[redacted] for other payments not included in monthly mortgage payment.<br>Buyer Comment (2026-02-03): [redacted] is mortgage statement for [redacted] showing the taxes and insurance, and therefore total payment.<br>Buyer Comment (2026-02-03): property report uploaded showing the land use in NOT PUD, therefore no HOA. | 02/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 217 (redacted) |  | 36359227 |  | 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 borrower at Closing. | No valid coc in file for fees added in closing disclosure. |  |  |  | Reviewer Comment (2026-01-27): Sufficient Cure Provided At Closing |  | 01/27/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 217 (redacted) |  | 36359228 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-05): Attached. | 02/09/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 218 (redacted) |  | 36359235 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the [redacted] month minimum reserve requirement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>Miscellaneous | Residual income greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly savings of at least $[redacted] to $[redacted] per month.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 218 (redacted) |  | 36359236 |  | 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 ___. | Borrower does not meet the [redacted] month minimum reserve requirement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>Miscellaneous | Residual income greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly savings of at least $[redacted] to $[redacted] per month.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 218 (redacted) |  | 36359237 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower does not meet the [redacted] month minimum reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors, system cleared. | 03/30/2026 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 218 (redacted) |  | 36359238 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower does not meet the [redacted] month minimum reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors, system cleared. | 03/30/2026 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 218 (redacted) |  | 36359239 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower does not meet the [redacted] month minimum reserve requirement. |  |  |  | Reviewer Comment (2026-03-30): Lender exception with compensating factors. | 03/30/2026 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 219 (redacted) |  | 36359240 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): Attached, delivered same day. | 02/06/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 219 (redacted) |  | 36359241 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-02-09): Approve<br>Reviewer Comment (2026-02-06): AVM is dated [redacted]. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-03): Can you clarify which document is dated [redacted]? On review, found the [redacted] appraisal and delivery but did not see an [redacted] update. |  |  | 02/09/2026 | 2 B |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 36359245 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-05): Cleared.<br>Buyer Comment (2026-02-03): Internal tracking attached. | 02/05/2026 |  |  | 1 B A |  | GA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 36359247 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2026-02-04): [redacted] received earliest of e-consent.<br>Buyer Comment (2026-02-03): Econsent attached. | 02/04/2026 |  |  | 1 C A |  | GA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 36359248 |  | 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 borrower. | [redacted]% tolerance was exceeded by $[redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-24): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-02-24): Additional $[redacted] cure issued, see attached.<br>Reviewer Comment (2026-02-11): [redacted] Received [redacted]% Calculations; however, in the provided Calculation recording fee is excluded. Total of [redacted]% fees on Final CD should be $[redacted] instead of $[redacted]. Provide Cure Docs for $[redacted]. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2026-02-10): Please see the attached. The baseline of $[redacted] plus [redacted]% is $[redacted], the total amount of [redacted]% fees is $[redacted]. Thus the cure amount would appear to be $[redacted], and the existing cure already exceeds that amount.<br>Reviewer Comment (2026-02-04): [redacted] received rebuttal for cure provided at closing and on PCCD. But the total cure provided of $[redacted] is not sufficient to cover the [redacted]% tolerance. As per file the [redacted]% fees includes Settlement fee, Examination fee, Mobile Notary fee, Processing fee, recording service fee, update fee and recording fee. The baseline of these fees is $[redacted] while fees charged at closing is $[redacted] so the required cure after adding [redacted]% tolerance is $[redacted]. Please provide remaining cure of $[redacted]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-03): Please clarify required cure amount. TRID Analyzer, Exception Detail, and Exception Information all appear to show different cure amounts. Note $[redacted] has already been cured on this case. |  | 02/24/2026 |  | 2 C B |  | GA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 36359250 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in exis[redacted]ce < [redacted] years. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): removing<br>Reviewer Comment (2026-01-28): Client elects to waive with compensating factors. |  |  | 01/28/2026 | 2 B |  | GA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359253 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification documents for REO # [redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-11): Cleared.<br>Buyer Comment (2026-02-10): attached is HOI and property report showing taxes - per the property report, the mortgage would be paid in full<br>Reviewer Comment (2026-02-03): Verification documentation for #[redacted] [redacted] are missing. Tax and other payments documentation are required. Uploaded documents are for # [redacted] Hering.<br>Buyer Comment (2026-02-02): [redacted] is LOE from borrower confirming no HOA, [redacted] is mortgage statement for property. Uploaded is mortgage, property report showing taxes, and the mortgage statement that shows full escrow payment. | 02/11/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359254 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-02-02): accept |  |  | 02/02/2026 | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359255 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-02-02): accept |  |  | 02/02/2026 | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359256 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-28): Sufficient Cure Provided At Closing |  | 01/28/2026 |  | 1 A |  | FL | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 221 (redacted) |  | 36359257 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification documents for REO # [redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-11): Cleared.<br>Buyer Comment (2026-02-10): attached is HOI and property report showing taxes - per the property report, the mortgage would be paid in full<br>Reviewer Comment (2026-02-03): Verification documentation for #[redacted] [redacted]are missing. Tax and other payments documentation are required. Uploaded documents are for # [redacted]Hering.<br>Buyer Comment (2026-02-02): [redacted] is LOE from borrower confirming no HOA, [redacted]is mortgage statement for property. Uploaded is mortgage, property report showing taxes, and the mortgage statement that shows full escrow payment. | 02/11/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing verification documents for REO # [redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-11): Cleared.<br>Buyer Comment (2026-02-10): attached is HOI and property report showing taxes - per the property report, the mortgage would be paid in full<br>Reviewer Comment (2026-02-03): Verification documentation for #[redacted] [redacted] are missing. Tax and other payments documentation are required. Uploaded documents are for # [redacted] Hering.<br>Buyer Comment (2026-02-02): [redacted] is LOE from borrower confirming no HOA, [redacted]is mortgage statement for property. Uploaded is mortgage, property report showing taxes, and the mortgage statement that shows full escrow payment. | 02/11/2026 |  |  | 1 B A C |  | FL | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 221 (redacted) |  | 36359259 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification documents for REO # [redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-11): Cleared.<br>Buyer Comment (2026-02-10): attached is HOI and property report showing taxes - per the property report, the mortgage would be paid in full<br>Reviewer Comment (2026-02-03): Verification documentation for #[redacted] [redacted] are missing. Tax and other payments documentation are required. Uploaded documents are for # [redacted] Hering.<br>Buyer Comment (2026-02-02): [redacted] is LOE from borrower confirming no HOA, [redacted]is mortgage statement for property. Uploaded is mortgage, property report showing taxes, and the mortgage statement that shows full escrow payment. | 02/11/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification documents for REO # [redacted] for other payments of $[redacted]. |  |  |  | Reviewer Comment (2026-02-11): Cleared.<br>Buyer Comment (2026-02-10): attached is HOI and property report showing taxes - per the property report, the mortgage would be paid in full<br>Reviewer Comment (2026-02-03): Verification documentation for #[redacted] [redacted] are missing. Tax and other payments documentation are required. Uploaded documents are for # [redacted] Hering.<br>Buyer Comment (2026-02-02): [redacted] is LOE from borrower confirming no HOA, [redacted]is mortgage statement for property. Uploaded is mortgage, property report showing taxes, and the mortgage statement that shows full escrow payment. | 02/11/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 36359261 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo exception, project is in good condition confirmed by appraiser, HOA confirms [redacted] yr inspection obtained with no outstanding health or safety items, reserve account exists even if no current contribution and insurance appears adequate. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+.<br>Residual income greater than $[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 36359271 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): insurance and appraisal invoices uploaded to be included in reserve calculation | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 36359272 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines stats [redacted] months and borrower only has [redacted] months. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): insurance and appraisal invoices uploaded to be included in reserve calculation | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 36359273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserves are less than the borrower has. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): insurance and appraisal invoices uploaded to be included in reserve calculation | 02/06/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 223 (redacted) |  | 36359274 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves are less than the borrower has,. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): insurance and appraisal invoices uploaded to be included in reserve calculation | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 36359275 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-04): [redacted] appraisal report, delivery and transfer letter uploaded | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 36359277 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-04-27): waived |  |  | 04/27/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 36359278 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2026-02-03): accept |  |  | 02/03/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 36359281 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): [redacted] appraisal and evidence same report and [redacted] report were delivered to borrower | 02/06/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 36359282 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% +[redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): [redacted] appraisal and evidence same report and [redacted] report were delivered to borrower | 02/06/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 36359283 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): [redacted] appraisal and evidence same report and [redacted] report were delivered to borrower | 02/06/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 225 (redacted) |  | 36359289 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-01-27): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/27/2026 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 226 (redacted) |  | 36359295 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-28): Sufficient Cure Provided At Closing |  | 01/28/2026 |  | 1 A |  | DE | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 227 (redacted) |  | 36359300 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-10): accept ev2 grade<br>Reviewer Comment (2026-02-10): Exception is an EV2 and can be elected to waive.<br>Buyer Comment (2026-02-03): appraisal report and field review uploaded, field report supports appraised value reported |  |  | 02/10/2026 | 2 A B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 36359304 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is not provided for [redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): 1003 is correct, REO #[redacted]is not impounded, taxes and insurance are paid by borrower and correctly listed in other payments<br>Reviewer Comment (2026-02-12): Please provide an updated 1003 not reflecting the other payments in the section for other payments not included in the monthly payments for REO # [redacted].<br>Buyer Comment (2026-02-11): please see taxes and insurance for residence supporting other fee noted on 1003<br>Reviewer Comment (2026-02-10): Trailing 1003 still reflects [redacted] as other payments for REO # [redacted]. Please provide updated 1003.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payment.<br>Reviewer Comment (2026-02-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification<br>Buyer Comment (2026-02-04): [redacted] print outs supporting subject is multi family and no HOA included | 02/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 36359305 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is not provided for [redacted]. |  |  |  | Reviewer Comment (2026-02-10): Cleared.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payment.<br>Reviewer Comment (2026-02-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification<br>Buyer Comment (2026-02-04): [redacted] search of residence supports multi-family with no reference to HOA | 02/10/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 36359306 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification documentation for other payments for REOs #[redacted]and #[redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): 1003 is correct, REO #[redacted]is not impounded, taxes and insurance are paid by borrower and correctly listed in other payments<br>Reviewer Comment (2026-02-12): Please provide an updated 1003 not reflecting the other payments in the section for other payments not included in the monthly payments for REO # [redacted].<br>Buyer Comment (2026-02-11): taxes and insurance<br>Reviewer Comment (2026-02-10): Trailing 1003 still reflects [redacted] as other payments for REO # [redacted]. Please provide updated 1003.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for # [redacted] and [redacted] for #[redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payments.<br>Buyer Comment (2026-02-04): [redacted] print outs supporting subject is multi family and no HOA included | 02/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 36359307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing verification documentation for other payments for REOs #[redacted]and #[redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): 1003 is correct, REO #[redacted]is not impounded, taxes and insurance are paid by borrower and correctly listed in other payments<br>Reviewer Comment (2026-02-12): Please provide an updated 1003 not reflecting the other payments in the section for other payments not included in the monthly payments for REO # [redacted].<br>Buyer Comment (2026-02-11): taxes and insurance uploaded<br>Reviewer Comment (2026-02-10): Trailing 1003 still reflects [redacted] as other payments for REO # [redacted]. Please provide updated 1003.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for # [redacted] and [redacted] for #[redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payments.<br>Buyer Comment (2026-02-04): [redacted] print outs supporting subject is multi family and no HOA included | 02/12/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 228 (redacted) |  | 36359308 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification documentation for other payments for REOs #[redacted]and #[redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): 1003 is correct, REO #[redacted]is not impounded, taxes and insurance are paid by borrower and correctly listed in other payments<br>Reviewer Comment (2026-02-12): Please provide an updated 1003 not reflecting the other payments in the section for other payments not included in the monthly payments for REO # [redacted].<br>Buyer Comment (2026-02-11): taxes and insurance uploaded<br>Reviewer Comment (2026-02-10): Trailing 1003 still reflects [redacted] as other payments for REO # [redacted]. Please provide updated 1003.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for # [redacted] and [redacted] for #[redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payments.<br>Buyer Comment (2026-02-04): [redacted] print outs supporting subject is multi family and no HOA included | 02/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 36359309 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification documentation for other payments for REOs #[redacted]and #[redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): 1003 is correct, REO #[redacted]is not impounded, taxes and insurance are paid by borrower and correctly listed in other payments<br>Reviewer Comment (2026-02-12): Please provide an updated 1003 not reflecting the other payments in the section for other payments not included in the monthly payments for REO # [redacted].<br>Buyer Comment (2026-02-11): taxes and insurance uploaded<br>Reviewer Comment (2026-02-10): Trailing 1003 still reflects [redacted] as other payments for REO # [redacted]. Please provide updated 1003.<br>Buyer Comment (2026-02-09): updated 1008/1003<br>Reviewer Comment (2026-02-06): Final 1003 reflects [redacted] for # [redacted] and [redacted] for #[redacted] for other payments not included in monthly mortgage payment. Please provide documentation for the other payments.<br>Buyer Comment (2026-02-04): [redacted] print outs supporting subject is multi family and no HOA included | 02/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 229 (redacted) |  | 36359312 |  | 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 borrower. | [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 borrower. |  |  |  | Reviewer Comment (2026-02-05): [redacted] received rate lock document<br>Buyer Comment (2026-02-04): There was a lock extension added on [redacted] and before that was disclosed we realized we would need an additional extension. The previous lock from [redacted] was extended by [redacted] on [redacted] and redisclosed on [redacted]. lock conf uploaded shows date of [redacted] at the top.<br>Reviewer Comment (2026-02-03): [redacted] received rebuttal comment. The rate lock referred does not specify the date of relock or when the lock was extended. Also, as per COC for lock extension the last COC is dated [redacted] which is [redacted] days prior to the CD dated [redacted]. Please provide more information as to when the actual lock extension request was received to lender or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-02): [redacted] is lock confirmation showing the expiration of the lock on [redacted] with no available extensions. Therefore the loan was relocked. COC uploaded. | 02/05/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 229 (redacted) |  | 36359313 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Buyer Comment (2026-02-02): accept |  |  | 02/02/2026 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 229 (redacted) |  | 36359315 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2026-02-02): accept |  |  | 02/02/2026 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 230 (redacted) |  | 36359316 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-02): Approve |  |  | 02/02/2026 | 2 A B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 230 (redacted) |  | 36359318 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short required reserves. |  |  |  | Reviewer Comment (2026-01-29): Lender exception with compensating factors, system cleared. | 01/29/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 230 (redacted) |  | 36359319 |  | 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 ___. | [redacted] months reserve requirement is not met. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-29): Client elects to waive with compensating factors. |  |  | 01/29/2026 | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 230 (redacted) |  | 36359320 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing dated third party verification and short required reserves. |  |  |  | Reviewer Comment (2026-01-29): Lender exception with compensating factors, system cleared. | 01/29/2026 |  |  | 1 B A C |  | CT | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 231 (redacted) |  | 36359323 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of [redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): Attached. | 02/06/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 36359324 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender exception approval in file to allow to [redacted]% DTI, Max DTI is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-29): Client elects to waive with compensating factors. |  |  | 01/29/2026 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 36359326 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2026-01-29): Lender exception with compensating factors, system cleared. | 01/29/2026 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 231 (redacted) |  | 36359327 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender exception approval in file to allow to [redacted]% DTI, Max DTI is [redacted]%. |  |  |  | Reviewer Comment (2026-01-29): Lender exception with compensating factors, system cleared. | 01/29/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 36359328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender exception approval in file to allow to [redacted]% DTI, Max DTI is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-29): Client elects to waive with compensating factors. |  |  | 01/29/2026 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 36359329 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): Attached. | 02/06/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 231 (redacted) |  | 36359330 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): Internal tracking attached. | 02/06/2026 |  |  | 1 B A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 36359331 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. |  |  |  | Buyer Comment (2026-02-09): Approve |  |  | 02/09/2026 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| (redacted) | 232 (redacted) |  | 36359335 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-02-02): Approve |  |  | 02/02/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 232 (redacted) |  | 36359336 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ADU on subject property is not substantially smaller than primary residence as required by guidelines (subject is [redacted] sq ft and ADU is [redacted] sq ft). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than[redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The 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.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Qualifying ratios of [redacted] or less.<br>Excellent credit management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 233 (redacted) |  | 36359339 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-29): Client elects to waive with compensating factors. |  |  | 01/29/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 233 (redacted) |  | 36359340 |  | 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 borrower. | Loan discount points fee amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower at closing. No valid change of circumstance. |  |  |  | Reviewer Comment (2026-02-16): [redacted] Received Valid COC dated [redacted] along with approval for UW exception.<br>Buyer Comment (2026-02-13): Exception approval reflecting credit exception for borrower not meeting guidelines and price adjustment.<br>Reviewer Comment (2026-02-11): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-09): COC uploaded. | 02/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 234 (redacted) |  | 36359344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condominium. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<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]%. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-01-29): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 234 (redacted) |  | 36359345 |  | Credit | Guideline | Guideline Issue | Guideline | The borrower has Open Public Records/Collections/Charge Off accounts. |  | Public Record type of Collections is reporting in a Account Status of Unpaid w/o payment plan with a balance of [redacted] that exceeds guideline threshold. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<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]%. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 235 (redacted) |  | 36359347 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2026-02-02): Approve |  |  | 02/02/2026 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 235 (redacted) |  | 36359349 |  | 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 ___. | Borrower's reserves of [redacted] do not meet guideline requirement of [redacted]. Need evidence of insurance POC. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Residual income greater than [redacted]<br>Excellent Credit Management with FICO [redacted]+<br>[redacted]+ Years on job<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-04-07): Lender exception provided.<br>Buyer Comment (2026-04-07): PC Exception uploaded for reserves slightly short. |  |  | 04/07/2026 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 235 (redacted) |  | 36359350 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower's reserves of [redacted]do not meet guideline requirement of [redacted]. Need evidence of insurance POC. |  |  |  | Reviewer Comment (2026-04-07): Lender exception provided.<br>Buyer Comment (2026-04-07): PC Exception uploaded for reserves slightly short. | 04/07/2026 |  |  | 1 A |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 235 (redacted) |  | 36359351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrower's reserves of [redacted] do not meet guideline requirement of [redacted]. Need evidence of insurance POC. |  |  |  | Reviewer Comment (2026-04-07): Lender exception provided.<br>Buyer Comment (2026-04-07): PC Exception uploaded for reserves slightly short. | 04/07/2026 |  |  | 1 A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 235 (redacted) |  | 36359352 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower's reserves of [redacted] do not meet guideline requirement of [redacted]. Need evidence of insurance POC. |  |  |  | Reviewer Comment (2026-04-07): Lender exception provided for reserves.<br>Buyer Comment (2026-04-07): PC Exception uploaded for reserves slightly short. | 04/07/2026 |  |  | 1 A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 235 (redacted) |  | 36359353 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's reserves of [redacted] do not meet guideline requirement of [redacted]. Need evidence of insurance POC. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Residual income greater than [redacted]<br>Excellent Credit Management with FICO [redacted]+<br>[redacted]+ Years on job<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-04-07): Lender exception provided.<br>Buyer Comment (2026-04-07): PC Exception uploaded for reserves slightly short. |  |  | 04/07/2026 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 236 (redacted) |  | 36359357 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-03): accept |  |  | 02/03/2026 | 2 A B |  | MS | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 238 (redacted) |  | 36359363 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2026-02-05): Cleared.<br>Buyer Comment (2026-02-03): Attached, delivered same day | 02/05/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359364 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title policy document is not provided |  |  |  | Reviewer Comment (2026-02-06): Cleared. | 02/06/2026 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359365 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [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 (2026-02-06): Cleared.<br>Buyer Comment (2026-02-03): final title policy | 02/06/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-12): Post-Consummate exception for reserves and updated 1008/1003 removing gift funds | 02/16/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 239 (redacted) |  | 36359368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-12): Post-Consummate exception for reserves and updated 1008/1003 removing gift funds | 02/16/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-02-12): Post-Consummate exception for reserves and updated 1008/1003 removing gift funds | 02/16/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359370 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The 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. | Residual income is greater than [redacted]<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-03-31): ...<br>Reviewer Comment (2026-02-16): Client elects to waive with compensating factors.<br>Buyer Comment (2026-02-12): Post-Consummate exception for reserves<br>Buyer Comment (2026-02-12): gift funds removed from closing |  |  | 03/31/2026 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 36359371 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The 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. | Residual income is greater than [redacted]<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-16): Client elects to waive with compensating factors. |  |  | 02/16/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 240 (redacted) |  | 36359376 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The right to cancel expiration date of [redacted] is prior to the expected expiration date of [redacted]. |  |  |  | Reviewer Comment (2026-02-06): Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br>Buyer Comment (2026-02-03): NORTC<br>Buyer Comment (2026-02-03): corrected nortc | 02/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| (redacted) | 241 (redacted) |  | 36359379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-23): Approve |  |  | 02/23/2026 | 2 B |  | CA | Investment | Purchase | B A | N/A | N/A | No |
| (redacted) | 243 (redacted) |  | 36359382 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-06): Proof appraisal delivered uploaded. | 02/09/2026 |  |  | 1 B A |  | NY | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| (redacted) | 244 (redacted) |  | 36359383 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Initial and final application from co-borrower states they will occupy the property. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): corrected 1003 uploaded<br>Buyer Comment (2026-02-09): Corrected 1003 uploaded. | 02/09/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 244 (redacted) |  | 36359385 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a verification of insurance. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): Uploaded HOI and Tax cert for [redacted] [redacted] and [redacted] | 02/09/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 244 (redacted) |  | 36359386 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing the insurance and tax verification for the property located on [redacted]. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): Uploaded HOI and Tax cert for [redacted] [redacted] and [redacted] | 02/09/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 244 (redacted) |  | 36359387 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing the insurance verification for the property located on [redacted]. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): Uploaded HOI and Tax cert for [redacted] [redacted] and [redacted] | 02/09/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 244 (redacted) |  | 36359388 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing insurance and tax verification documentation for REOs # [redacted], 1#[redacted]and #[redacted] |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): Uploaded HOI and Tax cert for [redacted] [redacted] and [redacted] | 02/09/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| (redacted) | 245 (redacted) |  | 36359391 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The 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]+ years on job.<br>Residual income is greater than [redacted].<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-05): Client elects to waive with compensating factors. |  |  | 02/05/2026 | 2 B |  | KS | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 245 (redacted) |  | 36359393 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of AVM [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-06): Approve |  |  | 02/06/2026 | 2 B |  | KS | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 36359395 |  | 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 borrower. | Updated as per document |  |  |  | Reviewer Comment (2026-02-09): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2026-02-06): please see cure applied at closing on page two and additional principal reduction applied post-closing with cover letter included |  | 02/09/2026 |  | 2 C B |  | GA | 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 |
| (redacted) | 246 (redacted) |  | 36359397 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): receipt of appraisal report<br>Reviewer Comment (2026-02-12): Disbursement date is different from consummation date. Appraisal delivery date is based off the consummation date.<br> Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to consummation.<br>Buyer Comment (2026-02-11): note date is [redacted] and disbursement date is [redacted], if mailbox rule applied, receipt would be met based on dates noted in reviewer comments<br>Buyer Comment (2026-02-11): appraisal waiver uploaded to loan file, see doc [redacted]<br>Reviewer Comment (2026-02-09): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. No waiver uploaded.<br>Buyer Comment (2026-02-06): appraisal report delivery uploaded. loan file includes emailed desk review report and waiver signed by borrower | 02/12/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 36359398 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. 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]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): receipt of appraisal report<br>Reviewer Comment (2026-02-12): Disbursement date is different from consummation date. Appraisal delivery date is based off the consummation date.<br> Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to consummation.<br>Buyer Comment (2026-02-11): note date is [redacted] and disbursement date is [redacted], if mailbox rule applied, receipt would be met based on dates noted in reviewer comments<br>Buyer Comment (2026-02-11): please downgrade to EV2<br>Buyer Comment (2026-02-11): appraisal waiver uploaded to loan file, see doc [redacted]<br>Reviewer Comment (2026-02-09): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. No waiver uploaded.<br>Buyer Comment (2026-02-06): appraisal report delivery uploaded. loan file includes emailed desk review report and waiver signed by borrower | 02/12/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 36359399 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-12): receipt of appraisal report<br>Reviewer Comment (2026-02-12): Disbursement date is different from consummation date. Appraisal delivery date is based off the consummation date.<br> Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to consummation.<br>Buyer Comment (2026-02-11): note date is [redacted] and disbursement date is [redacted], if mailbox rule applied, receipt would be met based on dates noted in reviewer comments<br>Buyer Comment (2026-02-11): please downgrade to EV2<br>Buyer Comment (2026-02-11): appraisal waiver uploaded to loan file, see doc [redacted]<br>Reviewer Comment (2026-02-09): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. No waiver uploaded.<br>Buyer Comment (2026-02-06): appraisal report delivery uploaded. loan file includes emailed desk review report and waiver signed by borrower | 02/12/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 36359400 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-02-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/09/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 248 (redacted) |  | 36359405 |  | 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 borrower. | Loan Discount Points was last disclosed as[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-11): [redacted] received a valid COC.<br>Buyer Comment (2026-02-10): borrower selected lower rate at the time of the LE, and COC is uploaded.<br>Reviewer Comment (2026-02-10): [redacted]: The loan discount point fee increased from [redacted] to [redacted] on the revised LE dated [redacted], and there does not appear to be a valid COC in the loan file to support this increase. Please provide a valid Changed Circumstance for the fee increase, or a cure will be required to the borrower.<br>Buyer Comment (2026-02-09): [redacted] is the COC showing there was a change in loan amount which is valid COC for change in discount points. | 02/11/2026 |  |  | 1 C A |  | TX | 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 |
| (redacted) | 250 (redacted) |  | 36359416 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] percent tolerance was exceeded Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] due to Recording fee and Notary fee. No valid change of circumstance in file. |  |  |  | Reviewer Comment (2026-02-11): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2026-02-09): PCCD with cover letter<br>Reviewer Comment (2026-02-09): [redacted] received rebuttal comment. As per file all title fees are listed under section C of the CD and borrower shopped exception Title - Notary fee which is a part of section B (borrower did not shop for). As per this the [redacted] fees includes Recording fee and Notary fee baseline for which is [redacted] and after adding [redacted] tolerance [redacted] which does not cover total cost at closing [redacted] for these fees. A valid COC for adding Notary fee or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-06): notary fee alone would not bring us over [redacted], please confirm exception needed or waive<br>Buyer Comment (2026-02-06): please clarify cure amount requested, recording fee was disclosed and reduced at funding. I don't believe fee should be included in cure request. Please confirm condition | 02/11/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 251 (redacted) |  | 36359419 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Proof of Appraisal delivery report is not available in file for Secondary Appraisal (AVM) report date [redacted]. |  |  |  | Buyer Comment (2026-02-06): Approve |  |  | 02/06/2026 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 252 (redacted) |  | 36359427 |  | 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. | CD is mostly blank and Issue date is not provided. |  |  |  | Reviewer Comment (2026-02-11): [redacted] received lender attestation that incomplete CD with missing date issue and not reflecting received by borrower was not issued to borrower.<br>Buyer Comment (2026-02-10): please note comment on prior upload, the CD in question was the settlement statement from title, not CMS CD. UW provided CD to show comparison of the two forms<br>Reviewer Comment (2026-02-09): [redacted] received [redacted] lender CD. However, the exception is related to the CD with the missing Issue Date. Please see Doc ID [redacted] that has missing Date Issued & page [redacted] cash to close of [redacted] and blank Loan Calculations on Page [redacted]. If the CD was not provided to the borrower, please provide specific Attestation comments indicating the documents ID was never provided to the borrower and [redacted] will review for re-testing.<br>Buyer Comment (2026-02-09): Please see lender CD, copy in loan file was from settlement agent office and not considered as final cd | 02/11/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| (redacted) | 255 (redacted) |  | 36359435 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-11): accept ev2<br>Buyer Comment (2026-02-11): loan file includes waiver see [redacted]<br>Reviewer Comment (2026-02-11): No appraisal waiver uploaded. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-10): appraisal waiver<br>Buyer Comment (2026-02-10): appraisal delivery, after closing but no change to value |  |  | 02/11/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 255 (redacted) |  | 36359436 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-11): accept ev2<br>Buyer Comment (2026-02-11): loan file includes waiver see [redacted]<br>Reviewer Comment (2026-02-11): No appraisal waiver uploaded. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-10): appraisal waiver<br>Buyer Comment (2026-02-10): appraisal delivery after closing with no change to value |  |  | 02/11/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 255 (redacted) |  | 36359438 |  | 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]). | 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]). |  |  |  | Reviewer Comment (2026-02-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-02-25): remaining balance of cure check, [redacted] label for cure check, updated pccd with cover letter to borrower with nortc form, [redacted] shipment to borrower and corrected signed nortc docs uploaded<br>Reviewer Comment (2026-02-19): Fees increased from the Final CD on the Title-Recording service from [redacted] to [redacted] and the Title-Wire fee of [redacted] to [redacted]. The [redacted] & [redacted] increases totaled the [redacted] difference and total underdisclosure of [redacted]. Cure is short [redacted]. To finalize this cure we need the following items: 1) Proof of pickup from [redacted] for the original cure package with tracking ending in [redacted] (not showing picked up by carrier as of this date), 2) Copy of additional [redacted] cure refund to borrower, 3) Proof of mailing by carrier for that cure refund also, and 4) proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-02-18): please clarify total cure requested, broker fee increased [redacted]. check was provided for cure. please clarify where additional [redacted] derived from. NORTC pending. If cure is correct as processed, please update condition to reflect missing NORTC only<br>Reviewer Comment (2026-02-18): The finance charge is under disclosed in the amount of [redacted]. The provided refund check is short in the amount of [redacted]. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with [redacted] and therefore by not refunding the entire amount the exception will remain as an EV3-C. [redacted] Refunds related to the good faith analysis.<br> 1. Requirements. Section [redacted] provides that, if amounts paid at consummation exceed the amounts specified under [redacted], the creditor does not violate [redacted] if the creditor refunds the excess to the consumer no later than [redacted] days after consummation, and the creditor does not violate [redacted] if the creditor delivers or places in the mail disclosures corrected to reflect the refund of such excess no later than [redacted] days after consummation. For example, assume that at consummation the consumer must pay [redacted] itemized charges that are subject to the good faith determination under [redacted]. If the actual amounts paid by the consumer for the four itemized charges subject to [redacted] exceed their respective estimates on the disclosures required under [redacted] by [redacted], [redacted], [redacted], and [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. If, further, the amounts paid by the consumer for services that are subject to the good faith determination under [redacted] totaled [redacted], but the respective estimates on the disclosures required under [redacted] totaled only [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. The creditor does not violate [redacted] if the creditor refunds [redacted] to the consumer no later than [redacted] days after consummation. The creditor does not violate [redacted] if the creditor delivers or places in the mail corrected disclosures reflecting the [redacted] refund of the excess amount collected no later than [redacted] days after consummation. See comments [redacted] and [redacted] for additional guidance on disclosing refund. Additionally, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Please provide refund check of [redacted], re-opening of rescission and proof of receipt to complete remediation.<br>Buyer Comment (2026-02-17): pccd with cover letter, cure check and [redacted] label delivery to borrower uploaded |  | 02/26/2026 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 255 (redacted) |  | 36359439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  | Reviewer Comment (2026-02-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-02-25): remaining balance of cure check, [redacted] label for cure check, updated pccd with cover letter to borrower with nortc form, [redacted] shipment to borrower and corrected signed nortc docs uploaded<br>Reviewer Comment (2026-02-19): Fees increased from the Final CD on the Title-Recording service from [redacted] to [redacted] and the Title-Wire fee of [redacted] to [redacted]. The [redacted] & [redacted] increases totaled the [redacted] difference and total underdisclosure of [redacted]. Cure is short [redacted]. To finalize this cure we need the following items: 1) Proof of pickup from [redacted] for the original cure package with tracking ending in [redacted] (not showing picked up by carrier as of this date), 2) Copy of additional [redacted] cure refund to borrower, 3) Proof of mailing by carrier for that cure refund also, and 4) proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-02-18): please clarify total cure requested, broker fee increased [redacted]. check was provided for cure. please clarify where additional [redacted] derived from. NORTC pending. If cure is correct as processed, please update condition to reflect missing NORTC only<br>Reviewer Comment (2026-02-18): The finance charge is under disclosed in the amount of [redacted]. The provided refund check is short in the amount of [redacted]. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with [redacted] and therefore by not refunding the entire amount the exception will remain as an EV3-C. [redacted] Refunds related to the good faith analysis.<br> 1. Requirements. Section [redacted] provides that, if amounts paid at consummation exceed the amounts specified under [redacted], the creditor does not violate [redacted] if the creditor refunds the excess to the consumer no later than [redacted] days after consummation, and the creditor does not violate [redacted] if the creditor delivers or places in the mail disclosures corrected to reflect the refund of such excess no later than [redacted] days after consummation. For example, assume that at consummation the consumer must pay [redacted] itemized charges that are subject to the good faith determination under [redacted]. If the actual amounts paid by the consumer for the four itemized charges subject to [redacted] exceed their respective estimates on the disclosures required under [redacted] by [redacted], [redacted], [redacted], and [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. If, further, the amounts paid by the consumer for services that are subject to the good faith determination under [redacted] totaled [redacted], but the respective estimates on the disclosures required under [redacted] totaled only [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. The creditor does not violate [redacted] if the creditor refunds [redacted] to the consumer no later than [redacted] days after consummation. The creditor does not violate [redacted] if the creditor delivers or places in the mail corrected disclosures reflecting the [redacted] refund of the excess amount collected no later than [redacted] days after consummation. See comments [redacted] and [redacted] for additional guidance on disclosing refund. Additionally, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Please provide refund check of [redacted], re-opening of rescission and proof of receipt to complete remediation.<br>Buyer Comment (2026-02-17): pccd with cover letter, cure check and [redacted] label delivery to borrower uploaded |  | 02/26/2026 |  | 2 C B |  | CA | 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) B | Non QM | Non QM | Yes |
| (redacted) | 255 (redacted) |  | 36359440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[redacted]). The disclosed Total of Payments in the amount of[redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of[redacted] which exceeds the [redacted] threshold. |  |  |  | Reviewer Comment (2026-02-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-02-25): remaining balance of cure check, [redacted] label for cure check, updated pccd with cover letter to borrower with nortc form, [redacted] shipment to borrower and corrected signed nortc docs uploaded<br>Reviewer Comment (2026-02-19): TOP underdisclosure totaled [redacted] and the [redacted] cure was sufficient. To finalize this cure we need the following items: 1) Proof of pickup from [redacted] for the original cure package with tracking ending in [redacted] (not showing picked up by carrier as of this date), and 2) proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-02-18): please clarify total cure requested, broker fee increased [redacted]. check was provided for cure. please clarify where additional [redacted] derived from. NORTC pending. If cure is correct as processed, please update condition to reflect missing NORTC only<br>Reviewer Comment (2026-02-18): The finance charge is under disclosed in the amount of [redacted]. The provided refund check is short in the amount of [redacted]. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with [redacted] and therefore by not refunding the entire amount the exception will remain as an EV3-C. [redacted] Refunds related to the good faith analysis.<br> 1. Requirements. Section [redacted] provides that, if amounts paid at consummation exceed the amounts specified under [redacted], the creditor does not violate [redacted] if the creditor refunds the excess to the consumer no later than [redacted] days after consummation, and the creditor does not violate [redacted] if the creditor delivers or places in the mail disclosures corrected to reflect the refund of such excess no later than [redacted] days after consummation. For example, assume that at consummation the consumer must pay [redacted] itemized charges that are subject to the good faith determination under [redacted]. If the actual amounts paid by the consumer for the four itemized charges subject to [redacted] exceed their respective estimates on the disclosures required under [redacted] by [redacted], [redacted], [redacted], and [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. If, further, the amounts paid by the consumer for services that are subject to the good faith determination under [redacted] totaled [redacted], but the respective estimates on the disclosures required under [redacted] totaled only [redacted], then the total would exceed the limitations prescribed by [redacted] by [redacted]. The creditor does not violate [redacted] if the creditor refunds [redacted] to the consumer no later than [redacted] days after consummation. The creditor does not violate [redacted] if the creditor delivers or places in the mail corrected disclosures reflecting the [redacted] refund of the excess amount collected no later than [redacted] days after consummation. See comments [redacted] and [redacted] for additional guidance on disclosing refund. Additionally, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Please provide refund check of [redacted], re-opening of rescission and proof of receipt to complete remediation.<br>Buyer Comment (2026-02-17): pccd with cover letter, cure check and [redacted] label delivery to borrower uploaded |  | 02/26/2026 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 255 (redacted) |  | 36359442 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. | The file is missing a valid Change of Circumstance for [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-04): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/04/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 255 (redacted) |  | 36359443 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | Total cash-out of [redacted] is greater than Guideline total cash-out of [redacted] |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-10): secondary financing secured against subject property (see prelim to support lien is second on subject property) does not count towards max cash out proceeds, subject transaction cash back is [redacted] | 02/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 36359455 |  | 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 borrower. | No Valid change of circumstance provided for increase to Credit Report Fees. |  |  |  | Reviewer Comment (2026-03-05): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2026-03-04): Evidence of [redacted] delivery uploaded<br>Reviewer Comment (2026-02-26): [redacted] received Post CD,LOX,Copy of 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 (2026-02-25): updated pccd with cover letter, refund check and [redacted] label<br>Reviewer Comment (2026-02-19): [redacted] received COC dated [redacted] . However, the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Please provide documentation of the reason for the increase in the Credit report fee What information was received that required the increase in the fee and when was that information received, or Cure is required to borrower.<br>Buyer Comment (2026-02-18): COC with credit report invoices uploaded |  | 03/05/2026 |  | 2 C B |  | AL | 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 |
| (redacted) | 256 (redacted) |  | 36359456 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Overdisclosed - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. |  |  |  | Reviewer Comment (2026-02-26): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-02-25): updated pccd with cover letter supporting iead form in file<br>Reviewer Comment (2026-02-19): [redacted]: Taxes and insurance have been escrowed, and the file does not contain any non-escrowed property costs. Please reference or provide supporting documentation if an updated amount is being used. Kindly provide the corrected CD and the LOE to cure.<br>Buyer Comment (2026-02-19): please see pccd with non-escrowed fees totaling $[redacted] |  | 02/26/2026 |  | 2 C B |  | AL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 256 (redacted) |  | 36359457 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-19): accept ev2 grade<br>Reviewer Comment (2026-02-18): Evidence of delivery of primary appraisal to borrower is [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-18): initial appraisal delivery<br>Buyer Comment (2026-02-18): initial appraisal report<br>Reviewer Comment (2026-02-18): Waived in error.<br>Buyer Comment (2026-02-11): accept ev2<br>Reviewer Comment (2026-02-10): Evidence of delivery of primary appraisal to borrower is [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-09): AVM/CDA is a redacted] internal document for a correspondent seller, this does not have to be delivered to borrower. Please clear condition or escalate to redacted] or redacted]<br>Buyer Comment (2026-02-09): appraisal report delivery and appraisal waiver |  |  | 02/19/2026 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 36359458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-02-11): accept ev2<br>Reviewer Comment (2026-02-10): Please have an email sent with your AVM/CDA correspondent policies and we will have them reviewed by our compliance department.<br>Buyer Comment (2026-02-09): AVM/CDA is a [redacted] internal document for a correspondent seller, this does not have to be delivered to borrower. Please clear condition or escalate to [redacted] or [redacted] |  |  | 02/11/2026 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 36359459 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. 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]. Non-Compliant Higher Priced Mortgage Loan |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): initial appraisal delivery<br>Buyer Comment (2026-02-18): initial appraisal report<br>Reviewer Comment (2026-02-10): Evidence of delivery of primary appraisal to borrower is [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2026-02-09): appraisal delivery and waiver<br>Buyer Comment (2026-02-09): AVM/CDA is a [redacted] internal document for a correspondent seller, this does not have to be delivered to borrower. Please clear condition or escalate to [redacted] or [redacted] | 02/18/2026 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 36359460 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): initial appraisal report delivery<br>Buyer Comment (2026-02-18): initial appraisal report<br>Reviewer Comment (2026-02-10): Evidence of delivery of primary appraisal to borrower is [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2026-02-09): appraisal delivery and waiver<br>Buyer Comment (2026-02-09): appraisal report delivery and appraisal waiver<br>Buyer Comment (2026-02-09): AVM/CDA is a [redacted] internal document for a correspondent seller, this does not have to be delivered to borrower. Please clear condition or escalate to [redacted] or [redacted] | 02/18/2026 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 36359462 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Evidence of delivery of primary appraisal to borrower is [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-02-19): accept ev2 grade |  |  | 02/19/2026 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 257 (redacted) |  | 36359464 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [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 (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): Appraisal delivery | 02/09/2026 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 36359467 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | [redacted] High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  |  |  | Reviewer Comment (2026-02-20): Offset provided for seller fee that was for seller side of transaction only and not a borrower fee.<br>Buyer Comment (2026-02-19): attestation letter specifying fee is not a borrower fee paid by seller<br>Reviewer Comment (2026-02-18): Per our compliance department:<br>The attestation provided states that the fee was not included in the calculation, but it does not state that it was not a borrower fee paid by the seller. <br> Documentation is required that states that it was a fee imposed only on the seller for the seller's side of the transaction and not a borrower fee paid by the seller in order to exclude it.<br>Buyer Comment (2026-02-18): Updated attestation letter including specific fee in question uploaded for review/approval<br>Reviewer Comment (2026-02-16): Per our compliance department:<br>While the attestation is almost there, what we need to know is that the $[redacted] Escrow/[redacted]/Recording/[redacted] Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller, and only shown on the Seller CD, is a fee that is unique to the seller side of the transaction and is not a borrower imposed fee that is being paid by the seller. Fees from the Seller CD not included on the Borrower CD. Verification that $[redacted] fee is a seller only fee and not intended for the borrower side of the transaction that's merely being paid by the seller on their behalf is required.<br>Buyer Comment (2026-02-12): attestation letter regarding [redacted] high-cost fees<br>Reviewer Comment (2026-02-11): Per our compliance department:<br> The difference in testing is that we're also including the $[redacted] Fee found in Section H of the Seller CD that was paid by the seller. [redacted] includes seller paid fees when it's the seller paying for a fee in lieu of the borrower. If the $[redacted] Escrow/redacted] /Recording/redacted] Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller was not a fee imposed on the borrower (then paid by seller on behalf of borrower) and was not a service required by the lender (which seems likely as a Section H fee).<br> Please provide an attestation from the lender or similar supporting evidence for further review for exclusion.<br>Buyer Comment (2026-02-10): subject transaction is a purchase, none of the closing costs are financed or included in the total loan amount calculation for [redacted] , threshold is [redacted] . Please see compliance report and funder CD in loan file, total fees included [redacted] , which is [redacted] under threshold. Loan is not a [redacted] High-Cost Loan. LAS report includes a courier fee but there is no courier fee charged on the loan and other [redacted] then a compliance offset of [redacted] , we do not have a charge or lender credit for this amount. | 02/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 36359468 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | [redacted] High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. |  |  |  |  | Reviewer Comment (2026-02-20): Offset provided for seller fee that was for seller side of transaction only and not a borrower fee.<br>Buyer Comment (2026-02-19): attestation letter specifying fee is not a borrower fee paid by seller<br>Reviewer Comment (2026-02-18): Per our compliance department:<br>The attestation provided states that the fee was not included in the calculation, but it does not state that it was not a borrower fee paid by the seller. <br> Documentation is required that states that it was a fee imposed only on the seller for the seller's side of the transaction and not a borrower fee paid by the seller in order to exclude it.<br>Buyer Comment (2026-02-18): Updated attestation letter including specific fee in question uploaded for review/approval<br>Reviewer Comment (2026-02-16): Per our compliance department:<br>While the attestation is almost there, what we need to know is that the $[redacted] Escrow/[redacted]/Recording/[redacted] Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller, and only shown on the Seller CD, is a fee that is unique to the seller side of the transaction and is not a borrower imposed fee that is being paid by the seller. Fees from the Seller CD not included on the Borrower CD. Verification that $[redacted] fee is a seller only fee and not intended for the borrower side of the transaction that's merely being paid by the seller on their behalf is required.<br>Buyer Comment (2026-02-12): attestation letter regarding [redacted] high-cost fees<br>Reviewer Comment (2026-02-11): Per our compliance department:<br> The difference in testing is that we're also including the $[redacted] Fee found in Section H of the Seller CD that was paid by the seller. [redacted] includes seller paid fees when it's the seller paying for a fee in lieu of the borrower. If the $[redacted] Escrow/redacted] /Recording/redacted] Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller was not a fee imposed on the borrower (then paid by seller on behalf of borrower) and was not a service required by the lender (which seems likely as a Section H fee).<br> Please provide an attestation from the lender or similar supporting evidence for further review for exclusion.<br>Buyer Comment (2026-02-10): subject transaction is a purchase, none of the closing costs are financed or included in the total loan amount calculation for [redacted] , threshold is [redacted] . Please see compliance report and funder CD in loan file, total fees included [redacted] , which is [redacted] under threshold. Loan is not a [redacted] High-Cost Loan. LAS report includes a courier fee but there is no courier fee charged on the loan and other [redacted] for $[redacted] then a compliance offset of $[redacted] , we do not have a charge or lender credit for this amount. | 02/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 36359469 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Statute: 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 (2026-02-20): Offset provided for seller fee that was for seller side of transaction only and not a borrower fee.<br>Buyer Comment (2026-02-19): attestation letter specifying fee is not a borrower fee paid by seller<br>Reviewer Comment (2026-02-18): Per our compliance department:<br>The attestation provided states that the fee was not included in the calculation, but it does not state that it was not a borrower fee paid by the seller. <br> Documentation is required that states that it was a fee imposed only on the seller for the seller's side of the transaction and not a borrower fee paid by the seller in order to exclude it.<br>Buyer Comment (2026-02-18): Updated attestation letter including specific fee in question uploaded for review/approval<br>Reviewer Comment (2026-02-16): Per our compliance department:<br>While the attestation is almost there, what we need to know is that the $[redacted] Escrow/[redacted]/Recording/[redacted] Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller, and only shown on the Seller CD, is a fee that is unique to the seller side of the transaction and is not a borrower imposed fee that is being paid by the seller. Fees from the Seller CD not included on the Borrower CD. Verification that $[redacted] fee is a seller only fee and not intended for the borrower side of the transaction that's merely being paid by the seller on their behalf is required.<br>Buyer Comment (2026-02-12): attestation letter regarding [redacted] high-cost fees<br>Reviewer Comment (2026-02-11): Per our compliance department:<br> The difference in testing is that we're also including the $[redacted] Fee found in Section H of the Seller CD that was paid by the seller. [redacted] includes seller paid fees when it's the seller paying for a fee in lieu of the borrower. If the $[redacted] Escrow/redacted] /Recording/Acris Prep/Title Closer/Memo/Reg Fee Sat Fee paid by the Seller was not a fee imposed on the borrower (then paid by seller on behalf of borrower) and was not a service required by the lender (which seems likely as a Section H fee).<br> Please provide an attestation from the lender or similar supporting evidence for further review for exclusion.<br>Buyer Comment (2026-02-10): subject transaction is a purchase, none of the closing costs are financed or included in the total loan amount calculation for [redacted] , threshold is [redacted] . Please see compliance report uploaded and funder CD in loan file, total fees included [redacted] , which is [redacted] under threshold. Loan is not a [redacted] High-Cost Loan. LAS report includes a courier fee but there is no courier fee charged on the loan and other [redacted] for $[redacted] then a compliance offset of $[redacted] , we do not have a charge or lender credit for this amount.<br>Buyer Comment (2026-02-10): subject transaction is a purchase, none of the closing costs are financed or included in the total loan amount calculation for [redacted] , threshold is [redacted] . Please see compliance report uploaded and funder CD in loan file, total fees included [redacted] , which is $[redacted] under threshold. Loan is not a [redacted] High-Cost Loan. LAS report includes a courier fee but there is no courier fee charged on the loan and other [redacted] then a compliance offset of $[redacted] , we do not have a charge or lender credit for this amount. | 02/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Within 30 days of closing, provide: (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 (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, 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) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| (redacted) | 259 (redacted) |  | 36359472 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): appraisal delivery and appraisal waiver uploaded | 02/12/2026 |  |  | 1 B A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359473 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted]. The report date of the appraisal in the file is [redacted]. Missing a copy of the appraisal provided to the borrower on [redacted]. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): appraisal delivery and waiver<br>Reviewer Comment (2026-02-11): initial appraisal received; however, we are missing evidence of delivery and receipt of appraisal dated [redacted] .<br>Buyer Comment (2026-02-10): initial appraisal report | 02/12/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359474 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Available for Closing [redacted] minus Cash from borrower [redacted] = Available for reserves [redacted] or [redacted] months. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-12): insurance invoice uploaded in loan file see doc [redacted]<br>Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] .<br>Reviewer Comment (2026-02-12): Missing invoice for $[redacted] for HOI. Exception remains open.<br>Buyer Comment (2026-02-11): please review math, if invoices deducted from calculation reserves are still met<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice [redacted] credit report invoice = [redacted] final funds deposited [redacted] months reserves | 02/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Short the required minimum reserves. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-12): insurance invoice uploaded in loan file see doc [redacted]<br>Reviewer Comment (2026-02-12): Missing invoice for $[redacted] for HOI. Exception remains open.<br>Buyer Comment (2026-02-11): please review math, if invoices deducted from calculation reserves are still met<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice [redacted] credit report invoice [redacted] final funds deposited = [redacted] months reserves | 02/16/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 259 (redacted) |  | 36359476 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short the required minimum reserves. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-12): insurance invoice uploaded in loan file see doc [redacted]<br>Reviewer Comment (2026-02-12): Missing invoice for $[redacted] for HOI. Exception remains open.<br>Buyer Comment (2026-02-11): please review math, if invoices deducted from calculation reserves are still met<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice +[redacted] credit report invoice = [redacted] final funds deposited =[redacted] months reserves | 02/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359477 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Calculated borrower's own funds of [redacted] is less than guideline required borrower's own funds of [redacted] |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated borrower's own funds of [redacted] % is less than Guideline required borrower's own funds of [redacted] %.<br>Buyer Comment (2026-02-11): please deduct invoices from calculation, documented assets and funds to close support sufficient reserves of [redacted] months<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice +[redacted] credit report invoice = [redacted] final funds deposited[redacted] months reserves | 02/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359478 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-12): insurance invoice uploaded in loan file see doc [redacted]<br>Reviewer Comment (2026-02-12): Missing invoice for $[redacted] for HOI. Exception remains open.<br>Buyer Comment (2026-02-11): please review math, if invoices deducted from calculation reserves are still met<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice +[redacted] credit report invoice = [redacted] final funds deposited [redacted] months reserves | 02/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359479 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-12): insurance invoice uploaded in loan file see doc [redacted]<br>Reviewer Comment (2026-02-12): Missing invoice for $[redacted] for HOI. Exception remains open.<br>Buyer Comment (2026-02-11): please review math, if invoices deducted from calculation reserves are still met<br>Reviewer Comment (2026-02-11): Trailing invoices do not reflect that it was paid by the borrower. Please provide evidence that it was paid by the borrower.<br>Buyer Comment (2026-02-10): verified funds [redacted] appraisal invoice [redacted] credit report invoice [redacted] final funds deposited [redacted] months reserves | 02/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359480 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Borrower's own funds of [redacted] does not meet the [redacted] requirement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than [redacted].<br>[redacted]+ years on job.<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-04-07): PC Exception approval uploaded.<br>Reviewer Comment (2026-04-06): [redacted] of own funds would be $[redacted] , do not see that documented for borrower funds.<br>Buyer Comment (2026-04-06): Borrower's verified assets $[redacted] , includes $[redacted] gift funds deposited directly into borrowers account prior to closing. Gift funds deposited into borrowers acct prior to closing is acceptable to be used for reserves. CTC $[redacted] . Reserves requirement met $[redacted] . |  |  | 04/09/2026 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359481 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower's reserves of [redacted] does not meet the guideline reserve requirement of [redacted]. |  |  |  | Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): total verified assets $[redacted] (see [redacted] report for breakdown); [redacted] ending balance (after gift funds deposited and EMD/POC cleared) $[redacted] - $[redacted] funds to close = $[redacted] reserves/ $[redacted] = [redacted] months reserves<br>Reviewer Comment (2026-04-06): Cash to close $[redacted] plus $[redacted] plus $[redacted] plus $[redacted] EMD = $[redacted] required for closing prior to [redacted] months reserves.<br>Buyer Comment (2026-04-06): Borrower's verified assets $[redacted] , includes $[redacted] gift funds deposited directly into borrowers account prior to closing. Gift funds deposited into borrowers acct prior to closing is acceptable to be used for reserves. CTC $[redacted] . Reserves requirement met $[redacted] . | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 36359482 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's reserves of [redacted] does not meet the guideline reserve requirement of [redacted] |  |  |  | Reviewer Comment (2026-04-07): Cleared.<br>Buyer Comment (2026-04-07): total verified assets $[redacted] (see [redacted] report for breakdown); [redacted] ending balance (after gift funds deposited and EMD/POC cleared) $[redacted] - $[redacted] funds to close = $[redacted] reserves/ [redacted] months reserves<br>Reviewer Comment (2026-04-06): Cash to close $[redacted] plus $[redacted] plus $[redacted] plus $[redacted] EMD = $[redacted] required for closing prior to [redacted] months reserves.<br>Buyer Comment (2026-04-06): Borrower's verified assets $[redacted] , includes $[redacted] gift funds deposited directly into borrowers account prior to closing. Gift funds deposited into borrowers acct prior to closing is acceptable to be used for reserves. CTC $[redacted] . Reserves requirement met $[redacted] . | 04/07/2026 |  |  | 1 A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 36359490 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | Same refinance lender as per title |  |  |  | Buyer Comment (2026-02-10): accept |  |  | 02/10/2026 | 2 B |  | WA | 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 |
| (redacted) | 262 (redacted) |  | 36359496 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. due to addition of Town Tax |  |  |  | Buyer Comment (2026-02-10): accept |  |  | 02/10/2026 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 263 (redacted) |  | 36359498 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2026-02-06): Loan is Non-QM. | 02/06/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 263 (redacted) |  | 36359499 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank [redacted]): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted]days prior to closing. | Guidelines states [redacted] days of note. |  |  |  | Reviewer Comment (2026-02-06): Documentation provided meets guideline requirement of [redacted] days. | 02/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 263 (redacted) |  | 36359502 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-10): Approve |  |  | 02/10/2026 | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 36359506 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |  | 02/05/2026 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 264 (redacted) |  | 36359507 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2026-02-10): accept ev2 grade |  |  | 02/10/2026 | 2 B |  | WA | 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 |
| (redacted) | 267 (redacted) |  | 36359515 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): attached | 02/12/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 36359521 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Account Statement is reflecting Initial Deposit [redacted] however Final CD is reflecting Escrow amount [redacted]. |  |  |  | Buyer Comment (2026-02-11): accept |  |  | 02/11/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 268 (redacted) |  | 36359523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-02-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/09/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 269 (redacted) |  | 36359525 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence the Borrowers received the Appraisal dated [redacted] [redacted] business days prior to closing is missing. |  |  |  | Buyer Comment (2026-02-11): accept |  |  | 02/11/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 270 (redacted) |  | 36359528 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification of appraisal being delivered to the borrower was not provided. |  |  |  | Buyer Comment (2026-02-13): .<br>Reviewer Comment (2026-02-12): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-11): attached |  |  | 02/13/2026 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 270 (redacted) |  | 36359530 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-09): Client elects to waive with compensating factors. |  |  | 02/09/2026 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 273 (redacted) |  | 36359537 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-09): Sufficient Cure Provided At Closing |  | 02/09/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 274 (redacted) |  | 36359541 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-06): Sufficient Cure Provided At Closing |  | 02/06/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 275 (redacted) |  | 36359545 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Missing the amount of loan on title |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): Please see page [redacted] , item [redacted] | 02/12/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 36359547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] and [redacted] proofs of delivery in file indicates there were earlier reports which are not in the file |  |  |  | Buyer Comment (2026-02-18): accept |  |  | 02/18/2026 | 2 B |  | CO | Investment | Refinance - Rate/Term | B A | Exempt from ATR | N/A | No |
| (redacted) | 279 (redacted) |  | 36359551 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation dated [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): Internal tracking attached | 02/18/2026 |  |  | 1 B A |  | NJ | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| (redacted) | 280 (redacted) |  | 36359554 |  | Property | Collateral | General | Appraisal Reconciliation | Subject is not in average or better condition. | - Property Condition:<br> ___ | The provided Appraisal Report Property Condition is reflecting as [redacted] which is not acceptable per guidelines. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): Note the [redacted] appraisal update stated the property condition is adjusted to [redacted] . | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 36359561 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-03-30): accept |  |  | 03/30/2026 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 282 (redacted) |  | 36359562 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Field Review provided is missing appraiser's information. |  |  |  | Reviewer Comment (2026-02-27): Cleared.<br>Buyer Comment (2026-02-26): signed field review<br>Reviewer Comment (2026-02-23): Field review provided is incomplete. Field Review is missing appraiser's information. The trailing 1004D is not part of the field review report.<br>Buyer Comment (2026-02-19): 1004D uploaded.<br>Reviewer Comment (2026-02-19): Field review provided is incomplete. Field Review is missing appraiser's information.<br>Buyer Comment (2026-02-18): Please note, appraisal field review meets guideline secondary valuation requirements. | 02/27/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| (redacted) | 284 (redacted) |  | 36359573 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 284 (redacted) |  | 36359574 |  | 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 - Document Preparation Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Documentation Preparation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Insufficient cure was provided. |  |  |  | Reviewer Comment (2026-02-18): [redacted] Sufficient cure provided within [redacted] days of the closing.<br>Buyer Comment (2026-02-17): please see [redacted] | 02/18/2026 |  |  | 1 C A |  | IN | 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 |
| (redacted) | 284 (redacted) |  | 36359575 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Insufficient cure was provided. |  |  |  | Reviewer Comment (2026-02-18): [redacted] Sufficient cure provided within [redacted] days of the closing.<br>Buyer Comment (2026-02-17): $[redacted] has already been cured on this case, see attached PCCD pages [redacted] . | 02/18/2026 |  |  | 1 C A |  | IN | 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 |
| (redacted) | 284 (redacted) |  | 36359576 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/18/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 284 (redacted) |  | 36359577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-02-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/18/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 285 (redacted) |  | 36359581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing a I-[redacted] form (guidelines require I-[redacted] with a [redacted] year permanent resident card with an expiration date). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income great than [redacted]<br>[redacted] years on job.<br>Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (No gifts or DPA).<br>Excellent credit management with FICO [redacted]. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | IL | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 286 (redacted) |  | 36359582 |  | 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 (2026-02-27): Cleared. | 02/27/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 286 (redacted) |  | 36359583 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [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 (2026-02-27): Cleared.<br>Buyer Comment (2026-02-26): final title policy<br>Reviewer Comment (2026-02-18): No final title policy uploaded.<br>Buyer Comment (2026-02-17): Final title policy | 02/27/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 287 (redacted) |  | 36359590 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow amount is $[redacted] and post CD amount is $[redacted] provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Reviewer Comment (2026-02-18): Final CD dated [redacted] reflects estimated escrow as $[redacted] on projected payments. IEAD reflects $[redacted]<br>Buyer Comment (2026-02-17): updated iead form | 02/18/2026 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| (redacted) | 287 (redacted) |  | 36359591 |  | 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 dated [redacted] reflects estimated escrow as $[redacted] on projected payments. IEAD reflects $[redacted] |  |  |  | Reviewer Comment (2026-02-19): Cured prior to discovery.<br>Reviewer Comment (2026-02-19): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-02-18): pccd with cover letter and pr applied with escrows in line |  | 02/19/2026 |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| (redacted) | 287 (redacted) |  | 36359592 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final CD dated [redacted] reflects estimated escrow as $[redacted] on projected payments. IEAD reflects $[redacted] |  |  |  | Reviewer Comment (2026-02-19): [redacted] received PCCD and LOE.<br>Buyer Comment (2026-02-18): pccd with cover letter and pr applied with escrows in line |  | 02/19/2026 |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 288 (redacted) |  | 36359595 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | The Closing Disclosure issued on [redacted] reflects an Appraisal Re-Inspection fee of $[redacted] . The Closing Disclosure issued on [redacted] changed the fee to an Appraisal Review Fee for $[redacted] . The loan file does not have a changed circumstance for the change dated [redacted] . There is no evidence of a tolerance cure to the Borrower. |  |  |  | Reviewer Comment (2026-03-03): [redacted] Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2026-03-02): [redacted] is LOE [redacted] is the pay history<br>Reviewer Comment (2026-02-19): [redacted] received rebuttal. However, we would also require pay history and LOX for the principal reduction amount of $[redacted].<br>Buyer Comment (2026-02-18): [redacted] is CD showing cure for $[redacted] which is sufficient because the original LE ([redacted])disclosed the Credit Report - Soft Pull Fee as $[redacted] . Therefore, only $[redacted] needs to be cured. $[redacted] appraisal fee cure, plus $[redacted] soft pull fee is $[redacted] . Sufficient cure. | 03/03/2026 |  |  | 1 C A |  | TX | 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 |
| (redacted) | 288 (redacted) |  | 36359597 |  | 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 Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Soft Pull on the Closing Disclosure issued on [redacted] was $[redacted] and then increased to $[redacted] on the Closing Disclosure issued on [redacted] . There was no changed circumstance or tolerance cure to the Borrower at closing. |  |  |  | Reviewer Comment (2026-03-03): [redacted] Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2026-03-02): [redacted] is LOE [redacted] is the pay history<br>Reviewer Comment (2026-02-19): [redacted] received rebuttal stating soft pull of credit report, however, the report present in the file is dated [redacted] whereas the fee charged on CD dated [redacted] . Kindly provide detail reason as to why the credit soft pull on [redacted] whereas the fee was charged earlier on [redacted] .Also, we would require payment history along with LOX for the principal reduction applied for $[redacted] .<br>Buyer Comment (2026-02-18): [redacted] is CD showing cure for $[redacted] which is sufficient because the original LE ([redacted])disclosed the Credit Report - Soft Pull Fee as $[redacted] , not [redacted] . Therefore, only $[redacted] needs to be cured. $[redacted] appraisal fee cure, plus $[redacted] soft pull fee is $[redacted] . Sufficient cure. | 03/03/2026 |  |  | 1 C A |  | TX | 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 |
| (redacted) | 288 (redacted) |  | 36359598 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | .Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] . | Borrower has verified disposable income of at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<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]%. | Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]<br>Low default risk with equity, LTV [redacted] lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-03-02): Client elects to waive with compensating factors.<br>Buyer Comment (2026-03-02): 1003 corrected to remove gift. uploaded. |  |  | 03/31/2026 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 36359599 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Borrower has verified disposable income of at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<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]%. | Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]<br>Low default risk with equity, LTV [redacted] lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-03-02): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-03-02): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] .<br>Buyer Comment (2026-03-02): PC Exception NQM Approval Summary uploaded for exception regarding insufficient reserves |  |  | 03/31/2026 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 36359600 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Gift letter provided for $[redacted] however, only $[redacted] has been verified. Final 1003 reflects cash gift of $[redacted] . Missing supporting documentation. |  |  |  | Reviewer Comment (2026-03-02): Cleared.<br>Buyer Comment (2026-03-02): 1003 corrected to remove gift. uploaded. | 03/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 36359601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2026-03-02): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-03-02): PC Exception NQM Approval Summary uploaded for exception regarding insufficient reserves | 03/02/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 288 (redacted) |  | 36359602 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2026-03-02): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-03-02): PC Exception NQM Approval Summary uploaded for exception regarding insufficient reserves | 03/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 36359603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2026-03-02): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2026-03-02): 1003 corrected to remove gift. uploaded. | 03/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 36359604 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-03-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/03/2026 |  | 1 A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 288 (redacted) |  | 36359605 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/03/2026 |  | 1 A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 290 (redacted) |  | 36359611 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): Field review uploaded meets guideline requirements for secondary valuation. | 02/16/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 290 (redacted) |  | 36359615 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-02-17): Approve |  |  | 02/17/2026 | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 36359619 |  | 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] over legal limit. Insufficient or no cure was provided to the borrower. | CD Dated [redacted] Endorsement fee provided $[redacted] no any evidence provided. |  |  |  | Reviewer Comment (2026-02-16): [redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2026-02-13): PCCD with cover letter and PR applied for cure | 02/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 291 (redacted) |  | 36359621 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): upload of transfer deed | 02/16/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 36359622 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted]form should have been used. | 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. |  |  |  | Buyer Comment (2026-02-13): accept ev2 grade |  |  | 02/13/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| (redacted) | 291 (redacted) |  | 36359623 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-02-16): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/16/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 292 (redacted) |  | 36359625 |  | 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] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 292 (redacted) |  | 36359627 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): transfer deed | 02/18/2026 |  |  | 1 D A |  | TX | Primary | Purchase | D A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359639 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying assets for Closing of $[redacted] is less than cash from Borrower $[redacted] . |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send $[redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of $[redacted] . [redacted] is confirmation borrower sent $[redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to $[redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359642 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Borrower is required to have [redacted] % of own funds to allow use of gift funds. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] . Borrower brought $[redacted] to closing plus $[redacted] EMD = $[redacted] . | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359643 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing required assets to cover cash from borrower and required reserves. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send $[redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of [redacted] is confirmation borrower sent [redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to [redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send $[redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of [redacted] is confirmation borrower sent [redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to [redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 295 (redacted) |  | 36359645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send [redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of [redacted] is confirmation borrower sent $[redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to $[redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359646 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send $[redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of [redacted] is confirmation borrower sent $[redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to $[redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 36359647 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): [redacted] is gift letter stating donor will send $[redacted] to closing. [redacted] is title company wire confirmation of receipt of gift of [redacted] is confirmation borrower sent $[redacted] to closing. Corrected CD uploaded showing that the gift was included, reducing the CTC to $[redacted] . Therefore, verified funds [redacted] months reserves. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 297 (redacted) |  | 36359653 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Complaint Agency Disclosure Timing Testing | South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower not provided with a document, at time of application, provided document in file is at the time of closing not the origination. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-18): Disclosure signed at application uploaded. | 02/18/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 298 (redacted) |  | 36359654 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Proof of Appraisal was delivered to Borrowers at least [redacted] business days prior to closing for [redacted]Appraisal Report date [redacted] is missing. |  |  |  | Buyer Comment (2026-03-23): Approve |  |  | 03/23/2026 | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 298 (redacted) |  | 36359657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception reflected to allow borrowers to vest in a Trust (guidelines do not allow vesting in a Trust). | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The 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. | Residual income greater than [redacted].<br>Low default risk with substantial equity, LTV [redacted] lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Excellent credit management with FiCO [redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359659 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] appraisal receipt | 02/18/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359660 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] Appraisal delivery and receipt | 02/18/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359661 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing Audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 299 (redacted) |  | 36359662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing Audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing Audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359664 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing Audited YTD P&L. |  |  |  | Reviewer Comment (2026-02-18): Cleared. | 02/18/2026 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359666 |  | 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] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 299 (redacted) |  | 36359667 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359668 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Missing audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 36359669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing audited YTD P&L. Not signed by CPA and borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see signed letter from CPA confirming they prepared the YTD P&L. Borrower signed YTD P&L uploaded to loan file [redacted] and [redacted] | 02/18/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359674 |  | 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 Monitoring Service. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Monitoring Service Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2026-02-17): PCCD with cover letter and PR applied |  | 02/18/2026 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 300 (redacted) |  | 36359676 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted] . The report date of the appraisal in the file is [redacted] . Missing a copy of the appraisal's provided to the borrower on [redacted] . |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] appraisal report delivered [redacted] appraisal transfer letter and [redacted] appraisal report delivered [redacted] | 02/18/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Buyer Comment (2026-02-18): accept ev2<br>Reviewer Comment (2026-02-18): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted]which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-17): appraisal update delivery to borrower, no change in value |  |  | 02/18/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359678 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  |  |  |  |  | Reviewer Comment (2026-02-18): cleared.<br>Buyer Comment (2026-02-17): [redacted] td lien was paid off through loan, subject loan locked as cash out refinance, subordinate financing is not included as part of the cash out proceeds, please see title report supporting lien was associated with subject property | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359679 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Vesting is in [redacted] , Unmarried person but Security Instrument has [redacted] and [redacted] e. Missing grant deed. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): please see grant deed chain of title and title report supporting vesting prior to loan closing | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359680 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  |  |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): AVM report uploaded (field report included in loan file [redacted] supporting subject value) | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359681 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] ([redacted])([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/18/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 300 (redacted) |  | 36359682 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-19): AVM not included in value consideration, ev2 accepted<br>Reviewer Comment (2026-02-18): The lower-level tertiary product (AVM) does not support the qualifying value. Exception is an EV2 which can be elected to waive<br>Buyer Comment (2026-02-18): please clarify added condition, AVM upload included notes [redacted] loan file includes field review secondary valuation supporting appraisal value. Please see loan file for supporting documentation in question and update condition if any additional docs required |  |  | 02/19/2026 | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 300 (redacted) |  | 36359683 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non warrantable condo which is ineligible per guidelines. Non warrantable condo is acceptable. The subject's immediate condo project consists of [redacted] mostly detached units. The HOA is limited in scope to the common areas. The borrower has insured the full amount of the structure herself. Catastrophic ground collapse coverage was obtained. Pending litigation is related to car washing and kids playing in the street and is acceptable as a minor matter (no monetary relief sought other than attorney fees). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than [redacted].<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent credit management with FICO [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors. |  |  | 03/31/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 301 (redacted) |  | 36359688 |  | 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 borrower. | Loan discount points fee amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] . No valid change of circumstance in file nor cure provided to borrower at closing. |  |  |  | Reviewer Comment (2026-02-18): [redacted] received rebuttal and valid COC.<br>Buyer Comment (2026-02-17): [redacted] is the COC form showing there was a rate lock on [redacted], also seen on [redacted]rate lock agreement. This change of circumstance was required to be sent on [redacted], which corresponds to the initial CD issued [redacted] where the updated Loan Discount points were increased. Therefore the reason for COC is rate lock. | 02/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 303 (redacted) |  | 36359694 |  | 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 Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Soft Pull Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. 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 borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-26): [redacted] received Letter of Explanation, Pay history and Corrected CD.<br>Buyer Comment (2026-02-25): cure documents uploaded. |  | 02/26/2026 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 306 (redacted) |  | 36359701 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo. Subject is an [redacted]-unit [redacted] units are past due on dues amounting to [redacted]% vs. expected [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted] + years on job.<br>Residual income is greater than $[redacted].<br>Excellent Credit Management with FOCO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ....<br>Reviewer Comment (2026-03-31): ...<br>Reviewer Comment (2026-02-18): Client elects to waive with compensating factors. |  |  | 03/31/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 307 (redacted) |  | 36359704 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-02-27): Cleared.<br>Buyer Comment (2026-02-26): please see final compliance report, loan is not HPML | 02/27/2026 |  |  | 1 B A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 307 (redacted) |  | 36359706 |  | 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 borrower. | The Loan Estimate issued on [redacted] reflects the Title-Endorsement of $[redacted]and the Title-Lender fee of $[redacted]. The Closing Disclosure issued on [redacted] reflects the Title-Endorsement as $[redacted]and the Title-Lenders fee as $[redacted]. There is no changed circumstance or tolerance cure for the increase of the fees. |  |  |  | Reviewer Comment (2026-03-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-03): initial and updated pccd with cover letters, PR and cure check with [redacted] label for refund |  | 03/04/2026 |  | 2 C B |  | LA | 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 |
| (redacted) | 307 (redacted) |  | 36359707 |  | 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 borrower. | The appraisal fee increase by $[redacted]without a valid change of circumstance. The COC did not reflect the specific reason for the increase. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-03): initial and updated pccd with cover letters, PR and cure check with [redacted] label for refund |  | 03/04/2026 |  | 2 C B |  | LA | 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 |
| (redacted) | 307 (redacted) |  | 36359708 |  | 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 Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A second appraisal fee was added of $[redacted]without a valid change of circumstance. The COC did not reflect the specific reason for the increase Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-03): initial and updated pccd with cover letters, PR and cure check with [redacted] label for refund |  | 03/04/2026 |  | 2 C B |  | LA | 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 |
| (redacted) | 308 (redacted) |  | 36359709 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2026-02-24): accept ev2 grade<br>Reviewer Comment (2026-02-23): Missing report completed [redacted]. Missing evidence of delivery of report dated [redacted]. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-02-20): delivery of initial appraisal report<br>Buyer Comment (2026-02-20): initial appraisal report |  |  | 02/24/2026 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 310 (redacted) |  | 36359716 |  | 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]over legal limit. Insufficient or no cure was provided to the borrower. | Broker Fee was not shown on the LE. No valid COC or cure was provided. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received rate lock dated [redacted]<br>Buyer Comment (2026-03-06): See uploaded lock confirmation sheets. On [redacted] the compensation was still lender paid. The lock was updated [redacted], the day the CD was issued. Timing is met.<br>Reviewer Comment (2026-03-02): [redacted] received rebuttal, however as per deal notes lender is opened on [redacted] and will be considered as working day i.e. [redacted] will be [redacted]day. Please provide CD if sent within [redacted]days of COC dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-02-26): The COC states the reason for the change is that the borrower requested the change. Additionally, as previously stated, the lender-paid broker compensation is not on the LE by design, but was baked into the loan. Therefore, when the lender-paid compensation appears on the initial CD as items paid by others, this does not constitute a change because, like on the LE, the fee was not being charged to the borrower. The change does not occur until the [redacted] CD when the borrower selected borrower-paid. This change was received [redacted], and [redacted]business days from [redacted] is [redacted].<br>Reviewer Comment (2026-02-25): [redacted] Received COC dated [redacted] states compensation plan changed; however, corresponding CD is dated [redacted] which is not within [redacted] days of the change. Also, COC does not specify the detailed reason for change in compensation to borrower paid. Provide COC within [redacted] days of the change along with additional information for change in compensation plan.<br>Buyer Comment (2026-02-24): Lender paid broker compensation does not appear on the LE by design of the document, only borrower paid fees appear on the LE. Attached is the lock sheet showing that the borrower was locked with lender paid comp on [redacted]. I also attached the lock in agreement sent to the borrower [redacted] showing the comp was lender paid.<br> Initial CD issued [redacted] was still Lender Paid Comp and shows in the paid by others column by design of the document. The comp switched to borrower paid on the [redacted]5 CD. We sent a CD package that included a cover letter stating the terms of the Broker comp changed as well as a revised lock in agreement and commitment. No cure is owed to the borrower for the Broker compensation.<br>Buyer Comment (2026-02-24): Lender paid broker compensation does not appear on the LE by design of the document, only borrower paid fees appear on the LE. Attached is the lock sheet showing that the borrower was locked with lender paid comp on [redacted]. I also attached the lock in agreement sent to the borrower [redacted] showing the comp was lender paid.<br> Initial CD issued [redacted] was still Lender Paid Comp and shows in the paid by others column by design of the document. The comp switched to borrower paid on the [redacted] CD. We sent a CD package that included a cover letter stating the terms of the Broker comp changed as well as a revised lock in agreement and commitment. No cure is owed to the borrower for the Broker compensation.<br>Reviewer Comment (2026-02-23): Broker fee reflected on CD issued [redacted] with no valid COC nor cure. Trailing COC is dated [redacted] for changes received.<br>Buyer Comment (2026-02-23): COC document showing that the broker compensation terms were updated by borrower, selecting borrower paid vs lender paid. | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 311 (redacted) |  | 36359718 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-20): ev2 accepted |  |  | 02/20/2026 | 2 A B |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359719 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence the Borrower received a copy of the appraisal report at least [redacted] business days prior to closing is missing. |  |  |  | Buyer Comment (2026-02-20): ev2 accepted |  |  | 02/20/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359721 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. | Evidence the Borrower received a copy of the appraisal report at least [redacted] business days prior to closing is missing. |  |  |  | Buyer Comment (2026-02-20): ev2 accepted |  |  | 02/20/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359723 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The initial Closing Disclosure issued on [redacted] reflects a Credit Pull charge of $[redacted]. The Closing Disclosure issued on [redacted] reflects the Credit pull fee as $[redacted]. There is no changed circumstance or a tolerance cure to Borrower. |  |  |  | Reviewer Comment (2026-02-23): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2026-02-20): PCCD with cover letter and PR applied | 02/23/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| (redacted) | 311 (redacted) |  | 36359724 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient reserves provided. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<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]%. | Total monthly payment savings of at least $[redacted]to $[redacted] per month.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors. |  |  | 02/19/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2026-02-19): Lender exception with compensating factors, system cleared. | 02/19/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 311 (redacted) |  | 36359726 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2026-02-19): Lender exception with compensating factors, system cleared. | 02/19/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359727 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<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]%. | Total monthly payment savings of at least $[redacted]to $[redacted] per month.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors. |  |  | 02/19/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B | Non QM | Non QM | No |
| (redacted) | 311 (redacted) |  | 36359728 |  | 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 borrower. | Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower at closing. No valid Change of circumstance provided. |  |  |  | Reviewer Comment (2026-02-23): [redacted] received valid COC document.<br>Buyer Comment (2026-02-20): lender credit adjusted after loan amount, value, ltv updated see locks dated [redacted] reflecting change in lender credit and price adjustments applied<br>Buyer Comment (2026-02-20): lender credit adjusted after loan amount, value, ltv updated see locks dated [redacted]reflecting change in lender credit and price adjustments applied | 02/23/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| (redacted) | 311 (redacted) |  | 36359729 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-02-23): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/23/2026 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | Non QM | Non QM | Yes |
| (redacted) | 312 (redacted) |  | 36359731 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The effective date listed on the Hazard Insurance Binder is[redacted] and the disbursement date listed on the Post Close Closing Disclosure is [redacted]. |  |  |  | Reviewer Comment (2026-02-25): Cleared<br>Buyer Comment (2026-02-23): The effective date was updated to [redacted], see attached. | 02/25/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359735 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | The right to receive appraisal disclosure is missing. |  |  |  | Reviewer Comment (2026-02-24): [redacted] received LE.<br>Buyer Comment (2026-02-23): [redacted] | 02/24/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | Good faith redisclosure C A | Non QM | Non QM | Yes |
| (redacted) | 313 (redacted) |  | 36359737 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | [redacted]Consumer Credit Code: Borrower not provided [redacted] Lien Refinance Notice. | The [redacted] Lien Refinance state disclosure is missing. |  |  |  | Reviewer Comment (2026-02-24): Cleared.<br>Buyer Comment (2026-02-23): [redacted] | 02/24/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359738 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The Initial Closing Disclosure acknowledged by Borrowers at least [redacted] business days prior to closing is missing. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received initial CD.<br>Buyer Comment (2026-02-26): Attached.<br>Reviewer Comment (2026-02-24): [redacted] received LEs and disclosure summary. However, we would require initial CD [redacted] days prior to closing date [redacted].<br>Buyer Comment (2026-02-23): See attached, borrowers received and viewed initial CD on [redacted]. | 02/27/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359739 |  | 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 Borrower(s). 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. | The Loan Estimate acknowledged by the Borrowers within [redacted] business days from the application date is missing. |  |  |  | Reviewer Comment (2026-02-24): [redacted] received LE.<br>Buyer Comment (2026-02-23): Initial disclosure package and subsequent LEs attached. | 02/24/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359741 |  | 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. | The Rate Lock confirmation is missing. |  |  |  | Reviewer Comment (2026-02-27): Cleared.<br>Buyer Comment (2026-02-26): attached.<br>Reviewer Comment (2026-02-25): Rate lock confirmation documentation is missing.<br>Buyer Comment (2026-02-23): [redacted] | 02/27/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]business days prior to closing. | [redacted] received LE dated [redacted].However, we would require evidence that the borrower received LE [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received earliest receipt of LE.<br>Buyer Comment (2026-02-26): Disclosure tracking summary attached, which should include all relevant dates including received dates. | 02/27/2026 |  |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 36359743 |  | 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 borrower. | [redacted]received LEs. However, we would require a valid COC for the fee increased on LE dated [redacted] for $[redacted]and also on LE dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received COC dated [redacted].<br>Buyer Comment (2026-02-26): Baseline discount points were $[redacted]as of [redacted] due to loan amount change. Subsequent decrease does not require cure. | 02/27/2026 |  |  | 1 A |  | CO | 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 |
| (redacted) | 313 (redacted) |  | 36359744 |  | 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 borrower. | [redacted] the Title-lenders title insurance fees are paid to lender affiliate which falls under [redacted] percent tolerance. Therefore, we would require cure for the fee increased. documents consist of post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received COC dated [redacted].<br>Buyer Comment (2026-02-26): See disclosure attached to [redacted]. Loan amount increased and caused corresponding increase to title insurance. | 02/27/2026 |  |  | 1 A |  | CO | 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 |
| (redacted) | 314 (redacted) |  | 36359748 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-18): Sufficient Cure Provided At Closing |  | 02/18/2026 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 315 (redacted) |  | 36359753 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-18): Sufficient Cure Provided At Closing |  | 02/18/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 315 (redacted) |  | 36359754 |  | 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 borrower. | The Closing Disclosure issued on[redacted]reflects a total of [redacted] percent closing fee of $[redacted]. The Closing Disclosure issued on [redacted] increased the [redacted]-percentage amount to $[redacted]. Cure of $[redacted]was not sufficient for the [redacted] tolerance violations. |  |  |  | Reviewer Comment (2026-03-02): [redacted] received signed copy of Final CD with sufficient cure for the fees are exceeds over [redacted]% tolerance.<br>Buyer Comment (2026-02-26): attached<br>Reviewer Comment (2026-02-24): [redacted] CD dated [redacted] reflects cure of $[redacted]; however, CD is not signed by borrower at closing. Unable to identify if the cure was provided at closing as CD is not signed. Provide Signed copy of CD at closing showing Cure amount $[redacted].<br>Buyer Comment (2026-02-23): Already cured, please see page [redacted] of consummation CD lender credit. | 03/02/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 315 (redacted) |  | 36359755 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Soft Pull fee on the Closing Disclosure issued on [redacted] was $[redacted]the Closing Disclosure issued on [redacted] increased the fee to $[redacted]with no changed circumstance. Cure of $[redacted]was not sufficient for the [redacted] tolerance violations. |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided within [redacted]Days of Closing.<br>Buyer Comment (2026-02-23): Cure already completed, see attached. | 02/24/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 315 (redacted) |  | 36359756 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/24/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 315 (redacted) |  | 36359757 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/02/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 317 (redacted) |  | 36359762 |  | 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. Incomplete CD. |  |  |  | Reviewer Comment (2026-02-26): [redacted] received lender attestation confirming Cd with missing issue date was never disclosed to borrower<br>Buyer Comment (2026-02-25): This is not a CMS CD and CMS did not send this CD to the borrower. Broker email attesting that they did not send the CD to borrower uploaded. Not a consumer CD | 02/26/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure C A | Non QM | Non QM | Yes |
| (redacted) | 319 (redacted) |  | 36359767 |  | 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 ___. | Lender approved exception for the Borrower's lack of required reserves with compensating factors of high residual income and FICO greater than [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Borrower has verified disposable income of at least $[redacted].<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-02-18): Lender exception with compensating factors. |  |  | 02/18/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 319 (redacted) |  | 36359769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to the reserve requirements not met. |  |  |  | Reviewer Comment (2026-02-18): Lender exception with compensating factors, system cleared. | 02/18/2026 |  |  | 1 B A C |  | NV | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 319 (redacted) |  | 36359774 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2026-02-23): accept |  |  | 02/23/2026 | 2 B |  | NV | 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 | Non QM | Non QM | Yes |
| (redacted) | 319 (redacted) |  | 36359775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | [redacted]due to the reserve requirements not met. |  |  |  | Reviewer Comment (2026-02-18): Lender exception with compensating factors, system cleared. | 02/18/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 319 (redacted) |  | 36359776 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Evidence the Borrower received a copy of the appraisal at least [redacted] business days prior to closing is missing. |  |  |  | Buyer Comment (2026-02-23): accept |  |  | 02/23/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 319 (redacted) |  | 36359777 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Lender approved exception for the Borrower's lack of required reserves with compensating factors of high residual income and FICO greater than [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Borrower has verified disposable income of at least $[redacted].<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-02-18): Lender exception with compensating factors. |  |  | 02/18/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 319 (redacted) |  | 36359778 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Lender approved exception for the Borrower's lack of required reserves with compensating factors of high residual income and FICO greater than [redacted]. |  |  |  | Reviewer Comment (2026-02-18): Lender exception with compensating factors, system cleared. | 02/18/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 320 (redacted) |  | 36359781 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-20): Approve |  |  | 02/20/2026 | 2 A B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 321 (redacted) |  | 36359786 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification final appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Buyer Comment (2026-02-25): accept |  |  | 02/25/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B A | Non QM | Non QM | No |
| (redacted) | 321 (redacted) |  | 36359787 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Buyer Comment (2026-02-25): accept |  |  | 02/25/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| (redacted) | 321 (redacted) |  | 36359788 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Evidence in the file shows the appraisal was provided to the borrower on [redacted]. The report date of the appraisal in the file is [redacted]. Missing a copy of the appraisal provided to the borrower on [redacted]. |  |  |  | Reviewer Comment (2026-02-26): Cleared.<br>Buyer Comment (2026-02-25): appraisal uploaded., | 02/26/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D B A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 36359789 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-26): accept |  |  | 02/26/2026 | 2 A B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 36359791 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | Verification preliminary appraisal was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Buyer Comment (2026-02-26): accept |  |  | 02/26/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 36359793 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |  | 02/25/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 323 (redacted) |  | 36359798 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-25): accept ev2 grade |  |  | 02/25/2026 | 2 A B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 324 (redacted) |  | 36359803 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/24/2026 |  | 1 A |  | TX | 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 |
| (redacted) | 325 (redacted) |  | 36359809 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/02/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 326 (redacted) |  | 36359811 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2026-02-26): Accept |  |  | 02/26/2026 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 327 (redacted) |  | 36359815 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in exis[redacted]ce for less than [redacted] years. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<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]%. | Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-25): Client elects to waive with compensating factors. |  |  | 02/25/2026 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 328 (redacted) |  | 36359818 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated total of payments of $[redacted]which exceeds the $[redacted] threshold. | The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted]. This was cured on the Post Close Closing Disclosure. |  |  |  | Reviewer Comment (2026-03-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-25): signed [redacted] with cover letter and [redacted]label supporting shipment request<br>Buyer Comment (2026-03-25): signed [redacted] with cover letter and [redacted] label supporting shipment request<br>Reviewer Comment (2026-03-24): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted]days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-03-23): PCCD with cover letter, cure check and [redacted]label uploaded<br>Reviewer Comment (2026-03-02): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Per TRID Grid [redacted], Remediation Considerations, ROW [redacted]…Note, inaccurate APR, Finance Charge, or TOP resulting from fee-related under disclosures will require a refund check to cure and cannot be cured with a loan modification (principal curtailments are not permissible). In the case of under disclosures resulting from both fees and incorrect MI or margin used to calculate TOP, remediation can be in the form of one lump sum refund cash/check or lender/assignee can cure using a combination of remediation methods (ex. check and margin reduction; check and principal curtailment; check and lender paid MI).<br>Buyer Comment (2026-02-27): please see upload of funder CD, consummation CD, PCCD with cover and principal reduction applied for increase in credit report fee at funding without a valid COC. |  | 03/26/2026 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 330 (redacted) |  | 36359824 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2026-02-26): accept |  |  | 02/26/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 36359826 |  | 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 - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Title - Endorsement Fee of $[redacted] not disclosed to borrower until final CD. No valid change in circumstance or cure provided. |  |  |  | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |  | 02/25/2026 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 331 (redacted) |  | 36359833 |  | 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 borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing |  | 03/03/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 331 (redacted) |  | 36359834 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed shown as $[redacted] but calculated is $[redacted]. Variance of $[redacted]. Lender did not include the $[redacted] appraisal management fee. |  |  |  | Reviewer Comment (2026-03-16): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-13): [redacted] signed, [redacted]label and cover letter to borrower requesting [redacted] re-executed, PCCD with cover letter, cure check and [redacted]for delivery uploaded |  | 03/16/2026 |  | 2 C B |  | GA | 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) B | Non QM | Non QM | Yes |
| (redacted) | 331 (redacted) |  | 36359835 |  | 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]). | Finance charge shown as $[redacted]but calculated finance charge is $[redacted]. Variance of $[redacted]. Lender did not include the $[redacted]appraisal management fee. |  |  |  | Reviewer Comment (2026-03-16): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-03-13): [redacted] signed, [redacted]label and cover letter to borrower requesting [redacted] re-executed, PCCD with cover letter, cure check and [redacted]for delivery uploaded<br>Buyer Comment (2026-03-13): [redacted] signed, [redacted] label and cover letter to borrower requesting [redacted] re-executed, PCCD with cover letter, cure check and [redacted] for delivery uploaded |  | 03/16/2026 |  | 2 C B |  | GA | 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) B | Non QM | Non QM | Yes |
| (redacted) | 332 (redacted) |  | 36359837 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided |  | Passport provided is missing evidence of lawful residency status. |  |  |  | Reviewer Comment (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): [redacted] are the ITIN documents indicating the UW qualified the loan as an ITIN loan. This is sufficient documentation for residency status. | 03/09/2026 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 335 (redacted) |  | 36359848 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-03-04): Cleared.<br>Buyer Comment (2026-03-04): [redacted] appraisal report<br>Buyer Comment (2026-03-04): [redacted] appraisal delivery | 03/04/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 335 (redacted) |  | 36359849 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation[redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-03-04): accept ev2 grade<br>Reviewer Comment (2026-03-04): Missing documentation to evidence delivery of AVM to borrower. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2026-03-04): initial appraisal report and delivery along with revised appraisal report delivery |  |  | 03/04/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 335 (redacted) |  | 36359850 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML 2014 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]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted]proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-03-04): Cleared.<br>Buyer Comment (2026-03-04): [redacted] appraisal delivery, [redacted] appraisal report and [redacted] appraisal delivery | 03/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 335 (redacted) |  | 36359851 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2026-03-04): Cleared.<br>Buyer Comment (2026-03-04): [redacted] appraisal report<br>Buyer Comment (2026-03-04): [redacted] appraisal delivery | 03/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 336 (redacted) |  | 36359856 |  | 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 borrower. | [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 borrower, nor valid COC. |  |  |  | Reviewer Comment (2026-03-06): 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 (2026-03-04): $[redacted] has already been cured on this case, see attached. | 03/06/2026 |  |  | 1 C A |  | IA | 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 |
| (redacted) | 336 (redacted) |  | 36359857 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each AVM to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2026-03-04): . |  |  | 03/04/2026 | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 336 (redacted) |  | 36359860 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | 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 borrower. |  |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/06/2026 |  | 1 A |  | IA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| (redacted) | 337 (redacted) |  | 36359862 |  | 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 Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was last disclosed as $[redacted]on Initial Closing Disclosure issued on [redacted]. The Fee increased to $[redacted]on Closing Disclosure issued on [redacted]. There is no changed circumstance or tolerance cure to Borrower. |  |  |  | Reviewer Comment (2026-03-09): [redacted] Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery.<br>Buyer Comment (2026-03-05): [redacted]is LOE, [redacted]is CD with cure on final page, [redacted] is the pay history showing posted cure. | 03/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 337 (redacted) |  | 36359863 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/09/2026 |  | 1 A |  | NY | 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 |
| (redacted) | 338 (redacted) |  | 36359868 |  | 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 borrower at Closing. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No COC provided. |  |  |  | Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing |  | 03/03/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 340 (redacted) |  | 36359872 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the Appraisal Disclosure is Missing. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received updated LE's with that timing requirement.<br>Buyer Comment (2026-03-05): right to receive appraisal disclosure<br>Buyer Comment (2026-03-05): disclosure tracking supporting borrower receipt of all LE's<br>Buyer Comment (2026-03-05): all LE's and COC's uploaded | 03/09/2026 |  |  | 1 B A |  | WI | Primary | Refinance - Cash-out - Other | Good faith redisclosure C A | Non QM | Non QM | Yes |
| (redacted) | 340 (redacted) |  | 36359874 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the Appraisal Disclosure is Missing. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received updated LE's with that timing requirement.<br>Buyer Comment (2026-03-05): right to receive appraisal disc | 03/09/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Good faith redisclosure C A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 36359875 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure Not Received. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received updated LE's with that timing requirement.<br>Buyer Comment (2026-03-05): disclosure tracking supporting borrower receipt of initial CD<br>Buyer Comment (2026-03-05): initial CD | 03/09/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 36359876 |  | 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 Borrower(s). 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 Received. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received updated LE's with that timing requirement.<br>Buyer Comment (2026-03-05): disclosure tracking supporting borrower receipt of all LE's<br>Buyer Comment (2026-03-05): All LE's and COC's | 03/09/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 36359877 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML 2014 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]%, 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 (2026-03-09): Cleared.<br>Buyer Comment (2026-03-05): initial CD, all LE's, COC's, right to receive appraisal report and disclosure tracking supporting borrower receipt of all | 03/09/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 36359879 |  | 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 - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee added or Cure is required to borrower. |  |  |  | Reviewer Comment (2026-03-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at on final PCCD resulting in a cleared exception.<br>Buyer Comment (2026-03-09): Please see image [redacted]pages [redacted] and image [redacted]page [redacted]reflecting PR issued. | 03/10/2026 |  |  | 1 A |  | WI | 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 |
| (redacted) | 340 (redacted) |  | 36359881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/10/2026 |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| (redacted) | 342 (redacted) |  | 36359888 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-03-05): accept ev2 grade |  |  | 03/05/2026 | 2 A B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 36359890 |  | 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 ___. | Additional Asset required to meet reserve requirement of [redacted] months. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The 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.<br>Miscellaneous | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-05): Client elects to waive with compensating factors. |  |  | 03/05/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 36359891 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Additional Asset required to meet reserve requirement of [redacted] months. |  |  |  | Reviewer Comment (2026-03-05): Lender exception with compensating factors, system cleared. | 03/05/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 342 (redacted) |  | 36359892 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Additional Asset required to meet reserve requirement of [redacted]months. |  |  |  | Reviewer Comment (2026-03-05): Lender exception with compensating factors, system cleared. | 03/05/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 36359893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Additional Asset required to meet reserve requirement of [redacted]months. |  |  |  | Reviewer Comment (2026-03-05): Lender exception with compensating factors, system cleared. | 03/05/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 36359894 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Additional Asset required to meet reserve requirement of [redacted] months. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The 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.<br>Miscellaneous | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-05): Client elects to waive with compensating factors. |  |  | 03/05/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 36359896 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Visa [redacted] is ineligible. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The 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.<br>Miscellaneous | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-03-05): Client elects to waive with compensating factors. |  |  | 03/05/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 36359898 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The [redacted] months reserves requirements have not been met. |  |  |  | Reviewer Comment (2026-03-19): Cleared.<br>Buyer Comment (2026-03-18): appraisal invoice uploaded showing $[redacted]paid by CC ending in [redacted]. This CC can be seen on borrowers credit report for [redacted] revolving account.<br>Reviewer Comment (2026-03-12): Trailing invoice missing evidence that it was paid for by the borrower.<br>Buyer Comment (2026-03-11): Uploaded invoices for appraisal and credit pull<br>Reviewer Comment (2026-03-10): Total verified assets are $[redacted]less required cash to close $[redacted]= $[redacted], resulting in [redacted]months of reserves. Please provided supporting documentation for $[redacted]paid outside closing.<br>Buyer Comment (2026-03-10): [redacted]is most recent transaction history for [redacted]showing balance of $[redacted]. LAS Report shows balance of $[redacted]. However, when the gift is deposited in the borrower account prior to close it is to be included in the assets total. Only when the gift is delivered directly to close should it be subtracted out. Therefore, total assets are $[redacted]. Assets sufficient. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 36359900 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to reserves requirements not met. |  |  |  | Reviewer Comment (2026-03-19): Cleared.<br>Buyer Comment (2026-03-18): appraisal invoice uploaded showing $[redacted]paid by CC ending in [redacted]. This CC can be seen on borrowers credit report for [redacted]revolving account.<br>Reviewer Comment (2026-03-12): Trailing invoice missing evidence that it was paid for by the borrower.<br>Buyer Comment (2026-03-11): Uploaded invoices for appraisal and credit pull<br>Reviewer Comment (2026-03-10): Total verified assets are $[redacted]less required cash to close $[redacted]= $[redacted], resulting in [redacted]months of reserves. Please provided supporting documentation for $[redacted]paid outside closing.<br>Buyer Comment (2026-03-10): [redacted]is most recent transaction history for [redacted] showing balance of $[redacted]. LAS Report shows balance of $[redacted]. However, when the gift is deposited in the borrower account prior to close it is to be included in the assets total. Only when the gift is delivered directly to close should it be subtracted out. Therefore, total assets are $[redacted]. Assets sufficient. | 03/19/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 343 (redacted) |  | 36359901 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | [redacted]due to reserves requirements not met. |  |  |  | Reviewer Comment (2026-03-19): Cleared.<br>Buyer Comment (2026-03-18): appraisal invoice uploaded showing $[redacted]paid by CC ending in [redacted]. This CC can be seen on borrowers credit report for [redacted]revolving account.<br>Reviewer Comment (2026-03-12): Trailing invoice missing evidence that it was paid for by the borrower.<br>Buyer Comment (2026-03-11): Uploaded invoices for appraisal and credit pull<br>Reviewer Comment (2026-03-10): Total verified assets are $[redacted]less required cash to close $[redacted]= $[redacted], resulting in [redacted]months of reserves. Please provided supporting documentation for $[redacted]paid outside closing.<br>Buyer Comment (2026-03-10): [redacted]is most recent transaction history for [redacted] showing balance of $[redacted]. LAS Report shows balance of $[redacted]. However, when the gift is deposited in the borrower account prior to close it is to be included in the assets total. Only when the gift is delivered directly to close should it be subtracted out. Therefore, total assets are $[redacted]. Assets sufficient. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 36359902 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. |  | Borrower's residency identification of [redacted], which is not allowed. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-04): Client elects to waive with compensating factors. |  |  | 03/04/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 36359903 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The [redacted] months reserve requirements have not been met. |  |  |  | Reviewer Comment (2026-03-19): Cleared.<br>Buyer Comment (2026-03-18): appraisal invoice uploaded showing $[redacted]paid by CC ending in [redacted]. This CC can be seen on borrowers credit report for [redacted]revolving account.<br>Reviewer Comment (2026-03-12): Trailing invoice missing evidence that it was paid for by the borrower.<br>Buyer Comment (2026-03-11): Uploaded invoices for appraisal and credit pull<br>Reviewer Comment (2026-03-10): Total verified assets are $[redacted]less required cash to close $[redacted]= $[redacted], resulting in [redacted]months of reserves. Please provided supporting documentation for $[redacted]paid outside closing.<br>Buyer Comment (2026-03-10): [redacted]is most recent transaction history for [redacted] showing balance of $[redacted]. LAS Report shows balance of $[redacted]. However, when the gift is deposited in the borrower account prior to close it is to be included in the assets total. Only when the gift is delivered directly to close should it be subtracted out. Therefore, total assets are $[redacted]. Assets sufficient. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 36359904 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]due to reserves requirements not met. |  |  |  | Reviewer Comment (2026-03-19): Cleared.<br>Buyer Comment (2026-03-18): appraisal invoice uploaded showing $[redacted]paid by CC ending in [redacted]. This CC can be seen on borrowers credit report for [redacted]revolving account.<br>Reviewer Comment (2026-03-12): Trailing invoice missing evidence that it was paid for by the borrower.<br>Buyer Comment (2026-03-11): Uploaded invoices for appraisal and credit pull<br>Reviewer Comment (2026-03-10): Total verified assets are $[redacted]less required cash to close $[redacted]= $[redacted], resulting in [redacted]months of reserves. Please provided supporting documentation for $[redacted]paid outside closing.<br>Buyer Comment (2026-03-10): [redacted]is most recent transaction history for[redacted] showing balance of $[redacted]. LAS Report shows balance of $[redacted]. However, when the gift is deposited in the borrower account prior to close it is to be included in the assets total. Only when the gift is delivered directly to close should it be subtracted out. Therefore, total assets are $[redacted]. Assets sufficient. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 344 (redacted) |  | 36359908 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The Borrower received the AVM report less than [redacted] days prior to closing. The Appraisal Timing Waiver is missing. |  |  |  | Buyer Comment (2026-03-10): accept |  |  | 03/10/2026 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 345 (redacted) |  | 36359933 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title is missing |  |  |  | Reviewer Comment (2023-06-29): Final title policy rec'd [redacted], will need to be associated once uploaded to acuity<br>Buyer Comment (2023-06-27): Please see Final Title Insurance Policy attached | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359934 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided |  | [redacted] Family Rider is missing in the file |  |  |  | Reviewer Comment (2023-07-10): [redacted] family rider provided.<br>Buyer Comment (2023-07-06): Please see [redacted] Family Rider attached<br>Reviewer Comment (2023-06-29): Please re-upload I don't' see the rider<br>Buyer Comment (2023-06-27): Please see attached document | 07/10/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359935 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing.; Sec ID: [redacted] |  | The [redacted] valuation is missing from the loan file. Lender exception in file to waive [redacted] appraisal requirement. The compensating factor noted is not valid for lease loans. |  |  |  | Reviewer Comment (2023-06-30): UCDP of [redacted]. Cleared.<br>Buyer Comment (2023-06-27): Please see Non Agency Loan approval attached | 06/30/2023 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359936 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | As per Guideline - For cash-out transactions, if the subject property was listed for sale in the [redacted] months prior to application date, a [redacted]% LTV reduction from the maximum available for the specific transaction is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying [redacted] on the loan is greater than the guideline minimum. | Substantial cash reserves ([redacted]months)<br>The [redacted]of [redacted]is greater than the minimum required [redacted]of .[redacted]. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-25): Approved lender exception provided.<br>Buyer Comment (2023-07-20): Post Consummation Exception Approval uploaded. |  |  | 07/25/2023 | 2 C B |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359937 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Final Title Report is missing |  |  |  | Reviewer Comment (2023-06-29): Final title policy rec'd [redacted], will need to be associated once uploaded to acuity<br>Buyer Comment (2023-06-27): Please see attached documents | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359939 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Title Preliminary is missing in the file |  |  |  | Reviewer Comment (2023-06-29): Commitment rec'd in PDF, will be associated once uploaded to acuity [redacted]<br>Buyer Comment (2023-06-27): Please see Preliminary Title attached. | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359940 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | [redacted] Appraisal or Desk Review is not available |  |  |  | Reviewer Comment (2023-07-03): Received FNMA CU score of [redacted]<br>Buyer Comment (2023-06-27): [redacted]nd appraisal is not need Collateral risk score is [redacted] please see attached docs | 07/03/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359941 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing in the file |  |  |  | Reviewer Comment (2023-06-29): Rec'd CPL in PDF [redacted], will associate one document uploads to acuity<br>Buyer Comment (2023-06-27): Please see attached document | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359943 |  | 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 ___. | The property is unleased and per guideline, the maximum LTV is [redacted]% |  |  |  | Reviewer Comment (2023-06-30): Lease received, input. Borrowers qualifies for [redacted]% LTV with lease and [redacted]+ FICO<br>Buyer Comment (2023-06-27): Please see Lease agreement attached | 06/30/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359944 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | Rent schedule is not in appraisal. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves ([redacted]months) | Originator,SitusAMC | Reviewer Comment (2023-08-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-08-04): PC Exception uploaded.<br>Buyer Comment (2023-08-04): Post Consummation Exception Approval uploaded for missing [redacted] rent schedule. Using current rents from current lease. |  |  | 08/08/2023 | 2 C B |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359945 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | [redacted] was not cleared and required per guidelines |  | The [redacted] search was a fail on the DRIVE report and no other documentation in the file to meet a clear [redacted] search for the borrower. |  |  |  | Reviewer Comment (2023-06-29): Cleared OFAC rec'd in PDF. Awaiting docs to be uploaded to acuity so they can be associated<br>Reviewer Comment (2023-06-29): Please upload the OFAC with [redacted] name on the document. What was uploaded has a business name on it<br>Buyer Comment (2023-06-27): Please see OFAC report for borrower's name and Business | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359946 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | [redacted] was not cleared and required per guidelines |  | The [redacted] search was a fail on the DRIVE report and no other documentation in the file to meet a clear [redacted] search for the borrower. |  |  |  | Reviewer Comment (2023-06-29): Cleared OFAC rec'd in PDF. Awaiting docs to be uploaded to acuity so they can be associated<br>Reviewer Comment (2023-06-29): Please upload the OFAC with [redacted] name on the document. What was uploaded has a business name on it<br>Buyer Comment (2023-06-27): Please see OFAC report for borrower's name and Business | 06/29/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359947 |  | 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 ___. | The property is unleased and per guideline, the maximum LTV is [redacted] % |  |  |  | Reviewer Comment (2023-06-30): Lease received, input. Borrowers qualifies for [redacted]% LTV with lease and [redacted]+ FICO<br>Buyer Comment (2023-06-27): Please see Lease agreement attached | 06/30/2023 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359948 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan approved as a No Cash Out loan. The final CD reflects cash out greater than $[redacted]. |  |  |  | Reviewer Comment (2023-07-26): Post Close CD applied overage to principal, LOE provided to borrower. | 07/26/2023 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 345 (redacted) |  | 36359949 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: [redacted] purpose discrepancy. | Loan refinance purpose of ___ does not match Guideline loan refinance purpose of ___. |  |  |  |  | Reviewer Comment (2023-08-29): Post Close CD applied overage to principal, LOE provided to borrower. | 08/29/2023 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
| (redacted) | 346 (redacted) |  | 36359951 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a non warrantable condo. Guidelines do not allow for a non warrantable condo. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documented investor/landlord history > [redacted] years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 09/09/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 346 (redacted) |  | 36359952 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is [redacted]sq ft. Guidelines require minimum sq ft of [redacted]. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documented investor/landlord history > [redacted] years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 09/09/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 348 (redacted) |  | 36359955 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property exceeds max acreage (Guidelines allow a max of [redacted] acres, actual acreage [redacted]). | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months & [redacted]x [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-25): Client elects to waive with compensating factors. |  |  | 09/25/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 349 (redacted) |  | 36359957 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for the subject property. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): See attached, per guidelines: "Month-to-month tenancy is not subject to this requirement" | 10/10/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 351 (redacted) |  | 36359960 |  | 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 approved exception request for LTV [redacted] % (Guideline: Max is [redacted] % due to FICO below [redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has a clean housing payment history | Substantial cash reserves.<br>Multiple mortgages [redacted] + reported on credit seasoned [redacted] + months and [redacted] | SitusAMC<br>Originator | Reviewer Comment (2026-03-27): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2025-10-14): Client elects to waive with compensating factors. |  |  | 03/27/2026 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 351 (redacted) |  | 36359961 |  | 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 ___. | Lender approved exception request for LTV [redacted] % (Guideline: Max is [redacted] % due to FICO below [redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has a clean housing payment history | Substantial cash reserves.<br>Multiple mortgages [redacted] + reported on credit seasoned [redacted] + months and [redacted] | SitusAMC<br>Originator | Reviewer Comment (2026-03-27): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-27): ...<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2025-10-14): Client elects to waive with compensating factors. |  |  | 03/27/2026 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 354 (redacted) |  | 36359966 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2026-03-23): Cleared.<br>Buyer Comment (2026-03-20): Please see image [redacted] reflecting[redacted] as of [redacted] balance of [redacted]. CTC [redacted]. Reserves [redacted] | 03/23/2026 |  |  | 1 A |  | NY | Investment | Purchase | A |  | N/A | No |
| (redacted) | 358 (redacted) |  | 36359971 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower does not meet the minimum credit score of [redacted] for waiving escrows. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Total monthly payment savings of at least[redacted]to [redacted] | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 359 (redacted) |  | 36359973 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided |  | The loan file is missing evidence of large deposit of [redacted] into account ending [redacted] on [redacted] |  |  |  | Reviewer Comment (2025-12-21): CD from refinance provided for large deposit, exception cleared.<br>Buyer Comment (2025-12-18): Cash-out refi CD attached. | 12/21/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 363 (redacted) |  | 36359978 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Debt Service Coverage Ratio [redacted]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]<br>Miscellaneous | [redacted]on subject property > [redacted]<br>Multiple mortgages ([redacted]reported on credit seasoned [redacted]& [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-12): Lender exception with compensating factors. |  |  | 12/12/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 364 (redacted) |  | 36359979 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-30): Cleared. | 12/30/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 364 (redacted) |  | 36359980 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): final title policy | 12/30/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 364 (redacted) |  | 36359981 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. S[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-12-12): Desk review has a greater than [redacted] variance from appraised value so field review report required which supports appraised value. | 12/12/2025 |  |  | 1 A B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 366 (redacted) |  | 36359984 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent Loss Insurance is missing on evidence of insurance as required by guidelines. |  |  |  | Reviewer Comment (2025-12-16): Rent loss coverage provided, exception cleared.<br>Buyer Comment (2025-12-16): Rent Loss policy uploaded. | 12/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 371 (redacted) |  | 36359990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free and is a first time investor which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] | Substantial cash reserves.<br>Excellent credit management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-12): Lender exception with compensating factors. |  |  | 12/12/2025 | 2 B |  | MO | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 372 (redacted) |  | 36359992 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | AVM city reflects [redacted] and Note reflects [redacted] |  |  |  | Reviewer Comment (2026-03-25): cleared.<br>Buyer Comment (2026-03-24): Corrected AVM uploaded. | 03/25/2026 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| (redacted) | 376 (redacted) |  | 36359999 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non spouse is vested on title which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<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. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-17): Lender exception with compensating factors. |  |  | 12/17/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 377 (redacted) |  | 36360003 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non spouse is vested in title which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<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. | Substantial cash reserves.<br>Low default equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-17): Lender exception with compensating factors. |  |  | 12/17/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 379 (redacted) |  | 36360006 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-12-22): Termite and roof inspection provided, exception cleared.<br>Buyer Comment (2025-12-19): Appraisal was subject to termite and roof inspection. Please see attached. | 12/22/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 380 (redacted) |  | 36360008 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The loan file is missing pages [redacted] of the final signed CD. |  |  |  | Reviewer Comment (2025-12-30): Cleared.<br>Buyer Comment (2025-12-23): uploaded all pages of final signed CD | 12/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 382 (redacted) |  | 36360012 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non-warrantable condo which is ineligible per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-19): Lender exception with compensating factors. |  |  | 12/19/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 382 (redacted) |  | 36360013 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's primary residence is not superior to the subject property for a first time investor as required by guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-12-19): Lender exception with compensating factors. |  |  | 12/19/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 383 (redacted) |  | 36360015 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Hazard insurance policy does not reflect rent loss. Per guidelines, rent loss insurance must be at least [redacted]months gross monthly rent. |  |  |  | Reviewer Comment (2025-12-26): Insurance provided, exception cleared.<br>Buyer Comment (2025-12-23): insurance with rent/loss coverage, 1008, 1003 and non-agency loan approval uploaded | 12/26/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 385 (redacted) |  | 36360018 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose and occupancy affidavit. |  |  |  | Reviewer Comment (2025-12-23): Disclosure not required per lender for correspondent lenders, exception cleared.<br>Reviewer Comment (2025-12-22): Guidelines do not indicate difference for correspondent originated loans. Exception remains.<br>Buyer Comment (2025-12-22): loan is [redacted], initial form is a [redacted] disclosure, signed form with docs included in loan file | 12/23/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 392 (redacted) |  | 36360028 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow non-spouse to be vested on title. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<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. | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 395 (redacted) |  | 36360031 |  | 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 |  | Field Review effective date ([redacted]) does not match the Appraisals effective date ([redacted]). |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-21): Corrected review uploaded. | 01/27/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 395 (redacted) |  | 36360033 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is required with subject address. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Corrected affidavit uploaded | 01/27/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 395 (redacted) |  | 36360034 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing required for entity. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-21): [redacted]is the certificate of good standing. Note in the verbiage it states the business is in FULL FORCE AND EFFECT. this is same effectual document as certificate of good standing. | 01/27/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 395 (redacted) |  | 36360035 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-21): Investor advantage does not require cash-out LOE. This is because cash-out in INVADV only allows use of proceeds for business purpose, and the business purpose is provided, thus acting as the LOE. | 01/27/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 398 (redacted) |  | 36360040 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-01-06): Cleared.<br>Buyer Comment (2026-01-05): Condo docs uploaded. | 01/06/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 398 (redacted) |  | 36360041 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2026-01-06): Cleared.<br>Buyer Comment (2026-01-05): According to the guidelines for vesting in the name of a business, the goal is determine % of ownership by documenting the Articles of Incorp., Partnership and/OR operating agreement. Meaning, that % ownership can be determined using all or some or one of these. D0463 is the article of organization, and D0461 is a letter from the CPA confirming ownership. Therefore, the operating agreement is not required. | 01/06/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 398 (redacted) |  | 36360042 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property does not meet minimum sq ft (minimum sq ft allowed is [redacted]). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-26): Lender exception with compensating factors. |  |  | 12/26/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 405 (redacted) |  | 36360052 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance of at least [redacted]months gross monthly rent is required. |  |  |  | Reviewer Comment (2026-01-06): Cleared.<br>Buyer Comment (2026-01-05): [redacted]is the policy, and under each location shows "income protection." this is the same and rental income loss protection. | 01/06/2026 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 408 (redacted) |  | 36360059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2026-01-13): Cleared.<br>Buyer Comment (2026-01-12): Ah. Correct borrower approval attached.<br>Reviewer Comment (2026-01-12): Approval in file is not for the borrower.<br>Buyer Comment (2026-01-08): Please clarify. Approval is on page [redacted]of Acuity. | 01/13/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 410 (redacted) |  | 36360062 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow non-spouse to be vested on title with borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-07): Client elects to waive with compensating factors. |  |  | 01/07/2026 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 414 (redacted) |  | 36360067 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): See attached explanation from the insurance agent, as well as final page describing the amount of coverage. [redacted]% of the Coverage A, or $[redacted], may be applied to cover rental loss over the course of [redacted] year. This is $[redacted] per month for [redacted] months, exceeding the PITIA and meeting the rent loss requirement.<br>Reviewer Comment (2026-01-15): The HOI does not reflect [redacted]months gross rent coverage.<br>Buyer Comment (2026-01-13): Please see attached email chain with insurer; this policy type includes rental loss coverage as part of the dwelling coverage rather than as a separate coverage. | 01/27/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | D C A |  | N/A | No |
| (redacted) | 414 (redacted) |  | 36360068 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] supports value. Vendor/FSD do not meet Fitch criteria. Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2026-04-27): Waived<br>Reviewer Comment (2026-03-30): ..<br>Buyer Comment (2026-01-22): .<br>Reviewer Comment (2026-01-16): No USDP scores, a CDA is required.<br>Buyer Comment (2026-01-13): Can you clarify? VeroVALUE/DataVerify is commonly used, unclear what this finding references. |  |  | 04/27/2026 | 2 A D |  | LA | Investment | Refinance - Cash-out - Other | D C A |  | N/A | No |
| (redacted) | 415 (redacted) |  | 36360070 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo. | The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Excellent Credit Management with FICO [redacted]<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-08): Client elects to waive with compensating factors. |  |  | 01/08/2026 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 415 (redacted) |  | 36360071 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property does not meet the minimum square footage requirements. | The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Excellent Credit Management with FICO [redacted]<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-08): Client elects to waive with compensating factors. |  |  | 01/08/2026 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 419 (redacted) |  | 36360077 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-04-06): Approve |  |  | 04/06/2026 | 2 A B |  | NY | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| (redacted) | 420 (redacted) |  | 36360079 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note past maturity (Guidelines require all notes to be paid by maturity date). | Borrower has owned the subject property for at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent credit management with FICO [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | MD | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 420 (redacted) |  | 36360080 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] condominium (Guideline: Does not allow for non-warrantable condo). | Borrower has owned the subject property for at least [redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent credit management with FICO [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | MD | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 423 (redacted) |  | 36360085 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's Visa [redacted]is not an eligible Visa classification per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors. |  |  | 03/30/2026 | 2 B |  | NY | Investment | Purchase | A B |  | N/A | No |
| (redacted) | 426 (redacted) |  | 36360089 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): [redacted] are insurance binders showing policy A for [redacted] and B [redacted] which equals[redacted]. Loan amount is [redacted]. Coverage is sufficient. | 01/27/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 430 (redacted) |  | 36360096 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report document is missing. |  |  |  | Reviewer Comment (2026-01-16): Cleared.<br>Seller Comment (2026-01-15): Credit Report | 01/16/2026 |  |  | 1 D A |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 430 (redacted) |  | 36360098 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing the Gift Letter and Source of Gift for $[redacted]as listed on the [redacted]. |  |  |  | Reviewer Comment (2026-01-23): Cleared.<br>Seller Comment (2026-01-21): Please reference pages [redacted] of the document labeled "[redacted]Credit.pdf"<br>Reviewer Comment (2026-01-16): Missing source of gift.<br>Reviewer Comment (2026-01-16): cleared in error<br>Reviewer Comment (2026-01-16): Cleared.<br>Seller Comment (2026-01-15): [redacted] Signed Gift Letter | 01/23/2026 |  |  | 1 C A |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 430 (redacted) |  | 36360099 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing the Gift Letter and Source of Gift for $[redacted]as listed on the [redacted]. |  |  |  | Reviewer Comment (2026-01-16): cleared | 01/16/2026 |  |  | 1 C A |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 430 (redacted) |  | 36360100 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds for the gift of $[redacted]. |  |  |  | Reviewer Comment (2026-01-23): Cleared.<br>Seller Comment (2026-01-21): Please reference pages [redacted] of the document labeled "[redacted]Credit.pdf" | 01/23/2026 |  |  | 1 A |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 432 (redacted) |  | 36360103 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Escrow waiver requires minimum FICO of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. |  | SitusAMC | Reviewer Comment (2026-03-31): Lender exception.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-01-26): Client elects to waive with compensating factors. |  |  | 03/31/2026 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 436 (redacted) |  | 36360109 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-04-06): Approve |  |  | 04/06/2026 | 2 A B |  | MD | Investment | Purchase | A B |  | N/A | No |
| (redacted) | 438 (redacted) |  | 36360113 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance ins missing |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-23): see full policy uploaded including coverage descriptions with fair market value coverage uploaded | 01/27/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 438 (redacted) |  | 36360114 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [redacted] exceeds Guideline loan to value percentage of [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2026-01-22): Client elects to waive with compensating factors. |  |  | 01/22/2026 | 2 B |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 438 (redacted) |  | 36360115 |  | 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 ___. | Calculated combined loan to value percentage of [redacted] exceeds Guideline combined loan to value percentage of [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2026-01-22): Client elects to waive with compensating factors. |  |  | 01/22/2026 | 2 B |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 439 (redacted) |  | 36360117 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception approval provided for loan amount below minimum required. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<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. | DSCR on subject property > [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-27): Client elects to waive.<br>Buyer Comment (2026-01-26): please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] and [redacted] if reviewer is unable to downgrade and waive exception |  |  | 01/27/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 440 (redacted) |  | 36360119 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount less than [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's Experience/Track Record | Multiple mortgages [redacted] reported on credit seasoned [redacted] months & [redacted]<br>Experienced landlord with [redacted] investment properties & mortgage [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-01-26): Client elects to waive with compensating factors. |  |  | 01/26/2026 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 441 (redacted) |  | 36360121 |  | Property | Insurance | General | Insurance | FEMA Disaster Issue: The most recent valuation inspection is dated on or after the most recent FEMA disaster declaration date. However, FEMA has not yet specified a Disaster End Date. |  |  |  |  |  | Reviewer Comment (2026-03-19): cleared | 03/19/2026 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| (redacted) | 442 (redacted) |  | 36360124 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard policy has [redacted] and Note has [redacted] |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): correct address | 01/28/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 442 (redacted) |  | 36360125 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of [redacted] . Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): correct effective date | 01/28/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 444 (redacted) |  | 36360128 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): Please clarify. Spouse is not on title to subject property per title report. | 01/28/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 444 (redacted) |  | 36360129 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent form is missing in file. |  |  |  | Reviewer Comment (2026-01-28): Cleared.<br>Buyer Comment (2026-01-27): Please clarify. Spouse is not on title to subject property per title report. | 01/28/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 450 (redacted) |  | 36360141 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing Personal bank statements for [redacted] months. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-02-02): [redacted] is the closing statement for borrower's other transaction proving the borrower received over $[redacted]. This is the funds vetted and used by UW to qualify. there are no guidelines that expressly state that bank statements are required to complete the loan. | 02/02/2026 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 452 (redacted) |  | 36360145 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of $[redacted] is below minimum of $[redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The 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.<br>Miscellaneous | Substantial cash reserves.<br>DSCR on subject property >[redacted].<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-30): Client elects to waive with compensating factors. |  |  | 01/30/2026 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 453 (redacted) |  | 36360147 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-30): Client elects to waive with compensating factors. |  |  | 01/30/2026 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 456 (redacted) |  | 36360152 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Vesting on Title Commitment shows "[redacted]" and Section B, requirement #[redacted], requires a deed from [redacted] to borrower. This was not provided. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-06): Uploaded deed | 02/09/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 456 (redacted) |  | 36360153 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance has city as [redacted] and Note has [redacted]. |  |  |  | Reviewer Comment (2026-03-12): Cleared.<br>Buyer Comment (2026-03-11): Correction to note address uploaded. | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 456 (redacted) |  | 36360154 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has city as [redacted] and Note has [redacted]. |  |  |  | Reviewer Comment (2026-03-12): Cleared.<br>Buyer Comment (2026-03-11): Correction to note address uploaded. | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 456 (redacted) |  | 36360155 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal has city as [redacted] and Note has [redacted]. |  |  |  | Reviewer Comment (2026-03-12): Cleared.<br>Buyer Comment (2026-03-11): Correction to note address uploaded. | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 456 (redacted) |  | 36360156 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | AVM has city as [redacted] and Note has [redacted]. |  |  |  | Reviewer Comment (2026-03-12): Cleared.<br>Buyer Comment (2026-03-11): Correction to note address uploaded. | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 458 (redacted) |  | 36360159 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-03): accept |  |  | 02/03/2026 | 2 A B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 461 (redacted) |  | 36360163 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Effective date was not shown on the Field Review. |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-04): revised field review uploaded. | 02/06/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 461 (redacted) |  | 36360164 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. CU and LCA results are contradictory. AVM does not support the value used to qualify. Vendor/FSD do not meet [redacted] criteria. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-02-06): Cleared.<br>Buyer Comment (2026-02-04): corrected field review supports appraisal, CU score is [redacted]. please downgrade and waive. | 02/06/2026 |  |  | 1 A C |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 461 (redacted) |  | 36360165 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): I don't see in the guidelines where it references the requirement that the cert of good standing must be dated. Please reference the section of the guidelines that requires this. | 02/02/2026 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 462 (redacted) |  | 36360167 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): I don't see in the guidelines where it references the requirement that the cert of good standing must be dated. Please reference the section of the guidelines that requires this. | 02/02/2026 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 465 (redacted) |  | 36360173 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2026-02-02): Cleared.<br>Buyer Comment (2026-01-30): I don't see in the guidelines where it references the requirement that the cert of good standing must be dated. Please reference the section of the guidelines that requires this. | 02/02/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 468 (redacted) |  | 36360180 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property ineligible. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The 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]. | Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-04): Client elects to waive with compensating factors. |  |  | 02/04/2026 | 2 B |  | SD | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 472 (redacted) |  | 36360186 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate reflects the subject city as [redacted] and the Note reflects [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): corrected flood cert uploaded. | 02/16/2026 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 472 (redacted) |  | 36360187 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Hazard Insurance Policy reflects the subject city as [redacted] and the Note reflects [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): evidence of insurance with corrected address uploaded. | 02/16/2026 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 477 (redacted) |  | 36360198 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number |  | The MERS number listed on the Security Instrument reflects [redacted] and the MERS number listed on the Fraud Report reflects [redacted] . |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-06): MIN number on fraud report is referencing mortgage that was recorded in [redacted], and each new mortgage recorded gets a new MIN number. Therefore this new [redacted]mortgage would not have the same number. | 02/09/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 478 (redacted) |  | 36360200 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non- warrantable condo. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-09): Client elects to waive with compensating factors.<br>Buyer Comment (2026-02-06): [redacted] is approval detailing approved exception for non-warrantable condo with two CAT A compensating factors. |  |  | 02/09/2026 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 482 (redacted) |  | 36360209 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): final fraud report uploaded | 02/09/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 482 (redacted) |  | 36360210 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): final fraud report uploaded | 02/09/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 482 (redacted) |  | 36360211 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  | Missing track record report. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): final fraud report uploaded | 02/09/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 482 (redacted) |  | 36360212 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2026-02-09): Cleared.<br>Buyer Comment (2026-02-09): final fraud report uploaded | 02/09/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 484 (redacted) |  | 36360215 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted] months reserves provided, guidelines require [redacted]months. |  |  |  | Reviewer Comment (2026-03-05): Cleared.<br>Buyer Comment (2026-03-04): 1003<br>Reviewer Comment (2026-03-04): Trailing Bank statement for reserves not reflected on the final 1003, therefore, not considered for reserves.<br>Buyer Comment (2026-03-04): [redacted] months bank statements to support reserves required at closing | 03/05/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 488 (redacted) |  | 36360223 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | EAD [redacted] is ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-06): Client elects to waive with compensating factors. |  |  | 02/06/2026 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 489 (redacted) |  | 36360224 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Per Final Loan application, borrower provided funds in amount of [redacted] from a cash out on property with loan number ending in [redacted]. However, supporting documentation not located in file to add asset. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): Proceeds are from loan number [redacted] , attached. | 02/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 490 (redacted) |  | 36360227 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of [redacted] is less than guideline minimum loan amount of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted].<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]. | DSCR on subject property > [redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-09): Client elects to waive with compensating factors. |  |  | 02/09/2026 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 492 (redacted) |  | 36360231 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-10): Approve |  |  | 02/10/2026 | 2 A B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 498 (redacted) |  | 36360239 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The guides require [redacted] months reserves. The 1008 states the Borrower is using proceeds from a previous loan to cover reserves. However, the Closing Disclosure from the previous loan is missing. |  |  |  | Reviewer Comment (2026-02-12): Cleared.<br>Buyer Comment (2026-02-11): Attached. | 02/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 500 (redacted) |  | 36360244 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-10): Approve |  |  | 02/10/2026 | 2 A B |  | OH | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 501 (redacted) |  | 36360246 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing pg [redacted] of the final loan application. |  |  |  | Reviewer Comment (2026-04-03): Provided and cleared<br>Buyer Comment (2026-04-01): page [redacted] of final application uploaded | 04/03/2026 |  |  | 1 A |  | NY | Investment | Purchase | A |  | N/A | No |
| (redacted) | 503 (redacted) |  | 36360250 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ...<br>Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 504 (redacted) |  | 36360253 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | The Borrower is a first time Investor living rent free with a fiancé not a spouse. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-18): Client elects to waive with compensating factors.<br>Buyer Comment (2026-02-18): Attached exception approval for borrower residency |  |  | 02/18/2026 | 2 C B |  | LA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 505 (redacted) |  | 36360255 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted] months reserves are required and the calculated reserve amount is [redacted] . |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): Uploaded [redacted]'s CU transaction history showing available balance of $[redacted] . | 02/16/2026 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 506 (redacted) |  | 36360257 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have [redacted] months ownership seasoning on the subject property. | 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. | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-30): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-30): ..<br>Reviewer Comment (2026-02-12): Client elects to waive with compensating factors. |  |  | 03/30/2026 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 507 (redacted) |  | 36360259 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property not eligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 02/10/2026 | 2 B |  | AL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 508 (redacted) |  | 36360261 |  | 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 [redacted] % for a first-time investor exceeds guidelines maximum of [redacted] %. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-12): Client elects to waive with compensating factors. |  |  | 02/12/2026 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 508 (redacted) |  | 36360262 |  | 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 ___. | CLTV [redacted] % for a first-time investor exceeds guidelines maximum of [redacted] %. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-12): Client elects to waive with compensating factors. |  |  | 02/12/2026 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 513 (redacted) |  | 36360274 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-13): Approve |  |  | 02/13/2026 | 2 A B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 514 (redacted) |  | 36360277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers first time investors living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 02/10/2026 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 515 (redacted) |  | 36360279 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-03-25): Accept |  |  | 03/25/2026 | 2 A B |  | RI | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| (redacted) | 515 (redacted) |  | 36360280 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Borrower has [redacted] mortgage lates. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-12): Client elects to waive with compensating factors. |  |  | 02/12/2026 | 2 B |  | RI | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| (redacted) | 515 (redacted) |  | 36360281 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note past maturity date (Guideline: Note ex[redacted]sions require a formal ex[redacted]sion). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors. |  |  | 03/31/2026 | 2 B |  | RI | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| (redacted) | 517 (redacted) |  | 36360284 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Subject property listed for sale time of application. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2026-03-31): Lender exception.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 03/31/2026 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 518 (redacted) |  | 36360286 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<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]. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted] lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-31): ..<br>Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 03/31/2026 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 519 (redacted) |  | 36360288 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The effective dates listed on the Hazard Insurance Binder are [redacted] and the disbursement date listed on the Post Closing CD was [redacted] . |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): Previous term attached. | 02/18/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 520 (redacted) |  | 36360290 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is first-time investor living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-10): Client elects to waive with compensating factors. |  |  | 02/10/2026 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 523 (redacted) |  | 36360294 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | The Fraud Report is not our Borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): Attached. | 02/18/2026 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 523 (redacted) |  | 36360295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The Fraud Report is not our Borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] , please see [redacted] | 02/18/2026 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 523 (redacted) |  | 36360296 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The OFAC check for the Borrower is missing. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] , please see [redacted] | 02/18/2026 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 523 (redacted) |  | 36360297 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The Fraud report in the loan file is not our Borrower. |  |  |  | Reviewer Comment (2026-02-18): Cleared.<br>Buyer Comment (2026-02-17): [redacted] , please see [redacted] | 02/18/2026 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 524 (redacted) |  | 36360300 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Please provide updated insurance policy or Replacement Cost Estimate document to cover shortfall amount. |  |  |  | Reviewer Comment (2026-02-16): Cleared.<br>Buyer Comment (2026-02-13): RCE uploaded | 02/16/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 531 (redacted) |  | 36360309 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow [redacted] non - permanent resident. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and $[redacted] .<br>The representative FICO score exceeds the guideline minimum by XX points. | Excellent Credit Management with FICO [redacted] | SitusAMC<br>Originator | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors. |  |  | 02/19/2026 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 532 (redacted) |  | 36360310 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation not provided missing in Loan File. |  |  |  | Reviewer Comment (2026-02-25): Cleared.<br>Buyer Comment (2026-02-25): articles of organization<br>Reviewer Comment (2026-02-23): Articles of Organization/Formation missing from the trailing documents.<br>Buyer Comment (2026-02-20): operating agreement not required, all legal documents uploaded support organization formation, ownership int, business purpose, and mgmt structure | 02/25/2026 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 536 (redacted) |  | 36360316 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow 8 financed properties for the same borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Borrower's Experience/Track Record | Excellent Credit Management with FICO [redacted]<br>Documented Investor/ Landlord history >[redacted] years. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors. |  |  | 02/19/2026 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 537 (redacted) |  | 36360318 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-20): Approve |  |  | 02/20/2026 | 2 A B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 538 (redacted) |  | 36360319 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization / Formation not Provided in this loan file |  |  |  | Reviewer Comment (2026-03-02): Cleared.<br>Buyer Comment (2026-03-02): Articles of Organization<br>Reviewer Comment (2026-03-02): Articles of Organization / Formation is required documentation.<br>Buyer Comment (2026-02-26): operating agreement provided, this doc can be used to approved vesting in [redacted] in lieu of articles of organization | 03/02/2026 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| (redacted) | 538 (redacted) |  | 36360320 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-03-02): Cleared.<br>Reviewer Comment (2026-03-02): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Title Evidence: Commitment | 03/02/2026 |  |  | 1 A |  | RI | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| (redacted) | 538 (redacted) |  | 36360321 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made "Subject to and Form 1004D/442 was not provided in this loan file |  |  |  | Reviewer Comment (2026-03-02): Cleared.<br>Buyer Comment (2026-02-26): 1004d not required, see appraisal addendum, report subject to parcel split. uploaded final title policy supporting parcel split complete | 03/02/2026 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| (redacted) | 538 (redacted) |  | 36360322 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-26): accept grade 2 |  |  | 02/26/2026 | 2 A B |  | RI | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| (redacted) | 538 (redacted) |  | 36360323 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage lates [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by XX points. | Substantial cash reserves.<br>Total monthly payment savings of $[redacted] or more per month.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors. |  |  | 02/19/2026 | 2 B |  | RI | Investment | Refinance - Rate/Term | C B |  | N/A | No |
| (redacted) | 539 (redacted) |  | 36360325 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-20): Approve |  |  | 02/20/2026 | 2 A B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 543 (redacted) |  | 36360330 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-25): Client elects to waive with compensating factors. |  |  | 02/25/2026 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 544 (redacted) |  | 36360332 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing [redacted] months cancelled checks or bank statements as rent is paid to an individual as required by guidelines. |  |  |  | Reviewer Comment (2026-03-10): Cleared.<br>Buyer Comment (2026-03-10): Please clarify the cause for this exception being uncleared<br>Reviewer Comment (2026-03-06): Cleared in error<br>Reviewer Comment (2026-03-06): Cleared.<br>Buyer Comment (2026-03-05): See uploaded snip. Canceled checks or bank statements are only required for rental payments if the borrower is paying them to an interested party to the transaction. Requiring canceled checks or bank statements are required when paying MORTGAGE payments to an individual. | 03/10/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 545 (redacted) |  | 36360334 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal reflects property is zoned agricultural which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted]+.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-03-27): Lender exception with compensating factors.<br>Reviewer Comment (2026-03-27): ..<br>Reviewer Comment (2026-03-04): Client elects to waive with compensating factors.<br>Buyer Comment (2026-03-04): [redacted] shows sufficient comp factors and approved exception for the agricultural zoning. |  |  | 03/27/2026 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 547 (redacted) |  | 36360336 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-02-27): accept |  |  | 02/27/2026 | 2 A B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

![](tm2613835d1_situsamcimg01.jpg)

**Rating Agency Grades**

**Run Date - 4/28/2026 3:40:13 PM**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| (redacted) | 1 (redacted) |  |  | C CC | C | C | C | C | RC A | VA C B | B | B | B | B | B A |
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| (redacted) | 509 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
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| (redacted) | 514 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 515 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 516 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
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| (redacted) | 518 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 519 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 520 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 521 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 522 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 523 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 524 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 525 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 526 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 527 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 528 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 529 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 530 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 531 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 532 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 533 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 534 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 535 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 536 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 537 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | B A | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 538 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A C | C B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 539 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | B A | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 540 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 541 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 542 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 543 (redacted) |  |  | B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 544 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 545 (redacted) |  |  | C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 546 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 547 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | B A | N/A | N/A | N/A | N/A | N/A B |
| (redacted) | 548 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 549 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 550 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 551 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 552 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 553 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 554 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| (redacted) | 555 (redacted) |  |  | A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

![](tm2613835d1_situsamcimg01.jpg)

**Supplemental Data**

**Run Date - 4/28/2026 3:40:15 PM** 

---

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| **SitusAMC Loan ID** | **Customer 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** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **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** | **Amortization Term Less IO** |
| (redacted) | 1 (redacted) |  | Non QM |  |  |  | Yes | No | $5649.01 | $6230.84 |  | 9.534% | $1055.12 | $1055.12 | 8.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1323.22 | 1 | $370.08 | $591.72 | $30.84 | $49.31 |  |  |  |  |  | 47.605% | 54.625% | 47.605% | 10/11/2018 | 534 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2018<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2018<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2018<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2018<br> [Borrower - \| Primary Income - Wages]; VVOE - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2016 | [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  | CMS | $5649.01 |  | 4.940% | $3506.95 | 1.9 |  |  |  | Yes | No | 8.990% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 48.850% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.29 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 2 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4260.15 | $4260.15 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $15630.48 | $2175.96 | $1302.54 | $181.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2023 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.670% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  |  |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 3 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $924.10 | $924.10 | 10.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2110.92 | $1145.04 | $175.91 | $95.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2023 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 10.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.09 | 0.48 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.81 |  |  |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 4 (redacted) |  | Non QM |  |  |  | Yes | No | $4810.00 | $2400.20 |  | 11.721% | $980.77 | $980.77 | 11.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2346.18 | 1 | $5212.68 | $3512.88 | $434.39 | $292.74 |  |  |  |  |  | 42.247% | 42.247% | 42.247% | 05/21/2024 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $4810.00 |  | 6.860% | $0.00 | 1 |  |  |  | Yes | No | 11.375% | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.91 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 5 (redacted) |  | Non QM |  |  |  | Yes | No | $4310.00 | $5151.33 |  | 8.538% | $733.07 | $733.07 | 7.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2638.77 | 1 | $1401.96 | $915.96 | $116.83 | $76.33 |  |  |  |  |  | 36.568% | 36.568% | 36.568% | 02/06/2025 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4310.00 |  | 6.730% | $0.00 | 1 |  |  |  | No | No | 7.990% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.86 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 6 (redacted) |  | Non QM |  |  |  | Yes | No | $3414.30 | $5355.49 |  | 12.129% | $2166.58 | $2166.58 | 11.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46708.01 | 1 | $4181.04 | $3738.96 | $348.42 | $311.58 |  |  |  |  |  | 12.325% | 12.325% | 12.325% | 11/16/2023 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3414.30 |  | 7.230% | $0.00 | 1.3 |  |  |  | N/A | No | 11.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [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 | 26.85 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 7 (redacted) |  | Non QM |  |  |  | Yes | No | $5174.15 | $5309.02 |  | 11.808% | $1579.03 | $1579.03 | 11.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2187.10 | 1 | $5186.64 | $1874.52 | $432.22 | $156.21 |  |  |  |  |  | 56.543% | 56.543% | 56.543% | 04/21/2023 | 607 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; WVOE - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2016<br> [Borrower - \| Non-Primary Income - Child Support]; Court Registry - 2023<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2013 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $5174.15 |  | 6.700% | $0.00 | 1.4 |  |  |  | Yes | No | 11.375% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 8 (redacted) |  | Non QM |  |  |  | Yes | No | $2101.13 | $2873.93 |  | 12.276% | $1170.05 | $1170.05 | 12.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2571.57 | 1 | $1464.60 | $765.00 | $122.05 | $63.75 |  |  |  |  |  | 53.082% | 53.082% | 53.082% | 04/20/2023 | 618 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [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 - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 | 0 | 0 |  |  | Carrington | $2101.13 |  | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 12.000% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 28 |  |  |  | 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 | 51.55 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 9 (redacted) |  | Non QM |  |  |  | Yes | No | $6098.73 | $7843.33 |  | 10.467% | $1547.61 | $1547.61 | 9.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4680.47 | 1 | $2977.56 | $2307.96 | $248.13 | $192.33 |  |  |  |  |  | 42.027% | 42.027% | 42.027% | 03/21/2025 | 513 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | Carrington | $6098.73 |  | 6.650% | $0.00 | 3.5 |  |  |  | No | No | 9.990% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.94 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 10 (redacted) |  | Non QM |  |  |  | Yes | No | $3523.50 | $4011.90 |  | 11.512% | $834.75 | $834.75 | 10.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2742.99 | 1 | $761.16 | $2009.04 | $63.43 | $167.42 |  |  |  |  |  | 42.293% | 42.293% | 42.293% | 04/17/2025 | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 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 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3523.50 |  | 6.740% | $0.00 | 1.2 |  |  |  | N/A | No | 10.990% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 11 (redacted) |  | Non QM |  |  |  | Yes | No | $4419.46 | $4499.54 |  | 11.218% | $866.80 | $866.80 | 10.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2284.30 | 1 | $766.56 | $1079.04 | $63.88 | $89.92 |  |  |  |  |  | 41.050% | 41.050% | 41.050% | 07/06/2022 | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | cms | $4419.46 |  | 5.580% | $0.00 | 1.2 |  |  |  | N/A | No | 10.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 36 |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.31 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 12 (redacted) |  | Non QM |  |  |  | Yes | No | $3198.74 | $3760.34 |  | 12.582% | $901.06 | $901.06 | 12.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2237.20 | 1 | $1914.84 | $1398.00 | $159.57 | $116.50 |  |  |  |  |  | 37.039% | 37.039% | 37.039% | 11/07/2022 | 591 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | cms | $3198.74 |  | 6.250% | $0.00 |  |  |  |  | N/A | No | 12.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.29 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 13 (redacted) |  | Non QM |  |  |  | Yes | No | $5167.50 | $6505.30 |  | 12.018% | $1485.44 | $1485.44 | 11.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12930.67 | 1 | $1699.56 | $2111.04 | $141.63 | $175.92 |  |  |  |  |  | 16.832% | 16.832% | 16.832% | 04/14/2023 | 598 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [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 |  |  | Carrington | $5167.50 |  | 6.630% | $0.00 | 1.6 |  |  |  | Yes | No | 11.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.37 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 14 (redacted) |  | Non QM |  |  |  | Yes | No | $12112.16 | $13313.80 |  | 11.536% | $2455.29 | $2455.29 | 10.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8514.38 | 1 | $4087.32 | $2924.04 | $340.61 | $243.67 |  |  |  |  |  | 34.348% | 34.348% | 34.348% | 07/23/2023 | 567 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [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 - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 | 0 |  |  | Carrington | $12112.16 |  | 7.120% | $0.00 | 1 |  |  |  | N/A | No | 10.875% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 32 |  |  | 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 | 6.52 |  |  | No |  |  |  | $0.00 | $6240.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 15 (redacted) |  | Non QM |  |  |  | Yes | No | $4375.00 | $4985.67 |  | 11.818% | $1980.58 | $1980.58 | 11.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7954.87 | 1 | $3091.56 | $1187.04 | $257.63 | $98.92 |  |  |  |  |  | 26.507% | 26.507% | 26.507% | 01/25/2024 | 568 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | Carrington | $4375.00 |  | 6.550% | $0.00 | 1.5 |  |  |  | No | No | 11.500% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.21 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 16 (redacted) |  | Non QM |  |  |  | Yes | No | $7412.20 | $7340.35 |  | 11.908% | $2257.86 | $2257.86 | 11.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6486.57 | 1 | $583.44 | $2406.00 | $48.62 | $200.50 |  |  |  |  |  | 41.994% | 41.994% | 41.994% | 05/07/2024 | 552 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Carrington | $7412.20 |  | 6.940% | $0.00 | 1 |  |  |  | Yes | No | 11.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 29 | 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 | 22.77 |  |  | No |  |  |  | $0.00 | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 17 (redacted) |  | Non QM |  |  |  | Yes | No | $5893.88 | $6482.37 |  | 12.191% | $1255.19 | $1255.19 | 11.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6282.26 | 1 | $3835.20 | $2210.04 | $319.60 | $184.17 |  |  |  |  |  | 38.663% | 38.663% | 38.663% | 06/13/2024 | 561 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | Carrington | $5893.88 |  | 6.860% | $0.00 | 1.8 |  |  |  | Yes | No | 11.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 21 | 30 |  |  | 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 | 3.13 |  |  | No |  |  |  | $0.00 | $6310.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 18 (redacted) |  | Non QM |  |  |  | Yes | No | $3446.90 | $4071.45 |  | 11.040% | $2177.90 | $2177.90 | 10.874% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3407.02 | 1 | $1820.28 | $1747.32 | $151.69 | $145.61 |  |  |  |  |  | 49.784% | 49.784% | 49.784% | 08/22/2024 | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 45.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 3 |  |  | Carrington | $3446.90 |  | 6.120% | $0.00 | 1.2 |  |  |  | No | No | 10.874% | 2 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 36 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.62 |  |  | No |  |  |  | $3023.11 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 19 (redacted) |  | Non QM |  |  |  | Yes | No | $9976.70 | $10953.89 |  | 10.136% | $2022.80 | $2022.80 | 9.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4527.65 | 1 | $2548.08 | $3263.04 | $212.34 | $271.92 |  |  |  |  |  | 41.261% | 41.261% | 41.261% | 02/12/2025 | 587 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $9976.70 |  | 6.730% | $0.00 | 2.2 |  |  |  | Yes | No | 9.624% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 20 (redacted) |  | Non QM |  |  |  | Yes | No | $12885.00 | $14604.05 |  | 6.862% | $2502.73 | $2502.73 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4895.61 | 1 | $12331.68 | $1425.00 | $1027.64 | $118.75 |  |  |  |  |  | 43.303% | 43.303% | 43.303% | 06/12/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12885.00 |  | 6.750% | $0.00 |  |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 47.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.86 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 21 (redacted) |  | Non QM |  |  |  | Yes | No | $18937.75 | $10302.70 |  | 10.458% | $5237.28 | $5237.28 | 10.249% | No | No | Employed | Employed | Employed |  | 6.47 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $6605.09 | 1 | $4024.32 | $2377.56 | $335.36 | $198.13 |  |  |  |  |  | 49.999% | 49.999% | 49.999% | 05/23/2025 | 631 | 635 | 631 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer 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 - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18937.75 |  | 6.670% | $0.00 | 1.7 |  |  |  | Yes | No | 10.249% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 14 | 15 | 29 |  | 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 |  |  |  |  |  |  |  | No | 6.93 |  |  | No |  |  |  | $0.00 | $9273.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 22 (redacted) |  | Non QM |  |  |  | Yes | No | $8224.99 | $7438.92 |  | 10.947% | $1865.09 | $1865.09 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5592.61 | 1 | $1876.08 | $2109.48 | $156.34 | $175.79 |  |  |  |  |  | 29.198% | 29.198% | 29.198% | 07/07/2025 | 572 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 | 3 |  |  | CMS | $8224.99 |  | 6.790% | $0.00 | 1.9 |  |  |  | Yes | No | 10.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.64 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 23 (redacted) |  | Non QM |  |  |  | Yes | No | $10009.00 | $11046.04 |  | 10.928% | $2741.98 | $2741.98 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6907.32 | 1 | $10384.68 | $1917.24 | $865.39 | $159.77 |  |  |  |  |  | 42.287% | 42.287% | 42.287% | 06/19/2025 | 609 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10009.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 10.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.7 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 24 (redacted) |  | Non QM |  |  |  | Yes | No | $9574.49 | $10761.08 |  | 11.487% | $2726.50 | $2726.50 | 10.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11665.72 | 1 | $6612.24 | $1452.84 | $551.02 | $121.07 |  |  |  |  |  | 29.615% | 29.615% | 29.615% | 05/28/2025 | 577 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9574.49 |  | 6.830% | $0.00 | 4 |  |  |  | No | No | 10.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 11.260% | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.24 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 25 (redacted) |  | Non QM |  |  |  | Yes | No | $4667.00 | $6317.60 |  | 11.072% | $1419.30 | $1419.30 | 10.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2335.10 | 1 | $1257.48 | $2303.04 | $104.79 | $191.92 |  |  |  |  |  | 42.741% | 42.741% | 42.741% | 07/22/2025 | 609 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4667.00 |  | 6.750% | $0.00 | 1.5 |  |  |  | No | No | 10.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 30 |  |  |  | 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 | 360 |
| (redacted) | 26 (redacted) |  | Non QM |  |  |  | Yes | No | $27642.75 | $28982.94 |  | 10.976% | $5386.73 | $5386.73 | 10.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21966.45 | 1 | $11202.60 | $2373.00 | $933.55 | $197.75 |  |  |  |  |  | 23.498% | 23.498% | 23.498% | 06/27/2025 | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2008<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 - 2008 | [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 |  |  | CMS | $27642.75 |  | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 10.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 14.99 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 27 (redacted) |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $6101.25 | $9016.48 |  | 8.287% | $2078.25 | $2078.25 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12414.71 | 1 | $9014.88 | $1109.04 | $751.24 | $92.42 |  |  |  |  |  | 22.883% | 22.883% | 22.883% | 04/11/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $6101.25 |  | 6.670% | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [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 | 6.49 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 28 (redacted) |  | Non QM |  |  |  | Yes | No | $13995.00 | $19889.82 |  | 7.755% | $3397.79 | $3397.79 | 7.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7915.76 | 1 | $12630.00 | $1815.96 | $1052.50 | $151.33 |  |  |  |  |  | 43.456% | 43.456% | 43.456% | 06/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; 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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13995.00 |  | 6.750% | $5000.00 | 1 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 57.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.59 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 29 (redacted) |  | Non QM |  |  |  | Yes | No | $14945.00 | $18420.60 |  | 7.267% | $6292.87 | $8297.25 | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21244.43 | 1 | $24346.92 | $6096.96 | $2028.91 | $508.08 |  |  |  |  |  | 36.927% | 30.977% | 36.927% | 05/16/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14945.00 |  | 6.630% | $30000.00 | 1 |  |  |  | Yes | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | [redacted] | [redacted] | 12.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.27 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| (redacted) | 30 (redacted) |  | Non QM |  |  |  | Yes | No | $11422.50 | $4165.21 |  | 10.832% | $3910.97 | $3910.97 | 10.749% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9983.30 | 1 | $9943.92 | $7950.96 | $828.66 | $662.58 |  |  |  |  |  | 40.723% | 40.723% | 40.723% | 07/23/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 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]; 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<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]; 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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS | $11422.50 |  | 6.750% | $0.00 | 1.4 |  |  |  | No | No | 10.749% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 69.670% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.07 |  |  | No |  |  |  | $0.00 | $8333.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 31 (redacted) |  | Non QM |  |  |  | Yes | No | $12007.50 | $15704.73 |  | 7.121% | $2431.99 | $2431.99 | 6.749% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8062.41 | 2 | $3320.16 | $1289.04 | $276.68 | $107.42 |  |  |  |  |  | 26.223% | 26.223% | 26.223% | 07/03/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2006 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12007.50 |  | 6.630% | $0.00 |  |  |  |  | No | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 56.800% | 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 |  |  |  |  | 9.09 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 32 (redacted) |  | Non QM |  |  |  | Yes | No | $8275.00 | $3390.94 |  | 11.150% | $2236.18 | $2236.18 | 10.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4675.62 | 1 | $10628.64 | $2898.00 | $885.72 | $241.50 |  |  |  |  |  | 41.838% | 41.838% | 41.838% | 07/11/2025 | 610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8275.00 |  | 6.630% | $0.00 | 1 |  |  |  | No | No | 10.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.37 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 33 (redacted) |  | Non QM |  |  |  | Yes | No | $7520.00 | $8295.80 |  | 9.794% | $1439.56 | $1439.56 | 9.249% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3130.85 | 1 | $2545.92 | $1077.96 | $212.16 | $89.83 |  |  |  |  |  | 35.743% | 35.743% | 35.743% | 07/29/2025 | 579 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7520.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 9.249% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.22 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 34 (redacted) |  | Non QM |  |  |  | Yes | No | $3936.50 | $4831.30 |  | 11.270% | $1409.51 | $1409.51 | 10.874% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10035.27 | 1 | $4073.64 | $3971.28 | $339.47 | $330.94 |  |  |  |  |  | 24.645% | 24.645% | 24.645% | 07/14/2025 | 533 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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 |  |  | CMS | $3936.50 |  | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 10.874% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 11.24 |  |  | No |  |  |  | $0.00 | $10344.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 35 (redacted) |  | Non QM |  |  |  | Yes | No | $17555.35 | $21297.91 |  | 10.567% | $3170.75 | $3170.75 | 9.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5032.55 | 1 | $3477.24 | $1566.00 | $289.77 | $130.50 |  |  |  |  |  | 41.642% | 41.642% | 41.642% | 05/19/2025 | 581 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17555.35 |  | 6.750% | $0.00 | 1.8 |  |  |  | No | No | 9.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 30 |  |  |  | Yes | Final | 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 | 480 |
| (redacted) | 36 (redacted) |  | Non QM |  |  |  | Yes | No | $23351.25 | $27077.81 |  | 7.831% | $5500.92 | $5500.92 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18615.42 | 1 | $22972.56 | $3291.00 | $1914.38 | $274.25 |  |  |  |  |  | 33.013% | 33.013% | 33.013% | 08/05/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23351.25 |  | 6.570% | $0.00 | 2.6 |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 37 (redacted) |  | Non QM |  |  |  | Yes | No | $8070.00 | $13461.35 |  | 6.604% | $5372.02 | $5372.02 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21937.52 | 1 | $12258.00 | $5409.00 | $1021.50 | $450.75 |  |  |  |  |  | 47.441% | 47.441% | 47.441% | 08/08/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 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 |  |  | CMS | $8070.00 |  | 6.750% | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 63.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.73 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 38 (redacted) |  | Non QM |  |  |  | Yes | No | $12087.60 | $3663.96 |  | 10.442% | $4191.69 | $4191.69 | 10.374% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6060.45 | 1 | $4644.00 | $3132.96 | $387.00 | $261.08 |  |  |  |  |  | 49.818% | 49.818% | 49.818% | 09/17/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<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]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 2 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS | $12087.60 |  | 6.540% | $13000.00 |  |  |  |  | N/A | No | 10.374% | 3 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 44.660% | No | 31 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.9 |  | Yes | No |  |  |  | $0.00 | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 39 (redacted) |  | Non QM |  |  |  | Yes | No | $18401.88 | $9886.18 |  | 10.783% | $3460.65 | $3460.65 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6726.63 | 1 | $11053.80 | $4152.96 | $921.15 | $346.08 |  |  |  |  |  | 42.343% | 42.343% | 42.343% | 09/04/2025 | 602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18401.88 |  | 6.570% | $3563.00 | 1 |  |  |  | Yes | No | 10.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 107.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 40 (redacted) |  | Non QM |  |  |  | Yes | No | $4294.00 | $5956.60 |  | 10.962% | $1852.67 | $1852.67 | 10.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4248.53 | 1 | $8267.64 | $3640.32 | $688.97 | $303.36 |  |  |  |  |  | 42.436% | 42.436% | 42.436% | 05/22/2025 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4294.00 |  | 6.830% | $0.00 | 2.2 |  |  |  | Yes | No | 10.624% | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 64.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.53 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 41 (redacted) |  | Non QM |  |  |  | Yes | No | $8640.00 | $9647.04 |  | 10.739% | $3948.44 | $3948.44 | 10.490% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7814.74 | 1 | $16659.12 | $5265.84 | $1388.26 | $438.82 |  |  |  |  |  | 42.770% | 42.770% | 42.770% | 07/24/2025 | 617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2024<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2018<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2005<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2018<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2005 | [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]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8640.00 |  | 6.610% | $0.00 | 2.1 |  |  |  | Yes | No | 10.490% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 604.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 42 (redacted) |  | Non QM |  |  |  | Yes | No | $4199.00 | $5538.88 |  | 11.014% | $1128.78 | $1128.78 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4014.22 | 1 | $2668.44 | $1466.04 | $222.37 | $122.17 |  |  |  |  |  | 35.030% | 35.030% | 35.030% | 05/21/2025 | 608 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4199.00 |  | 6.570% | $0.00 | 1.5 |  |  |  | Yes | No | 10.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 30 |  |  |  | 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 | 360 |
| (redacted) | 43 (redacted) |  | Non QM |  |  |  | Yes | No | $1759.00 | $2475.75 |  | 10.390% | $922.22 | $922.22 | 10.124% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5145.57 | 1 | $21.00 | $3961.68 | $1.75 | $330.14 |  |  |  |  |  | 41.216% | 41.216% | 41.216% | 08/20/2025 | 617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $1759.00 |  | 6.570% | $0.00 | 3.3 |  |  |  | No | No | 10.124% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.04 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 44 (redacted) |  | Non QM |  |  |  | Yes | No | $5052.00 | $6709.88 |  | 10.260% | $1185.53 | $1185.53 | 9.749% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4074.65 | 1 | $1077.60 | $1488.00 | $89.80 | $124.00 |  |  |  |  |  | 39.289% | 39.289% | 39.289% | 09/09/2025 | 568 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $5052.00 |  | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 9.749% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 45 (redacted) |  | Non QM |  |  |  | Yes | No | $5595.00 | $2410.27 |  | 10.678% | $1425.83 | $1425.83 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1964.67 | 1 | $1487.40 | $2985.00 | $123.95 | $248.75 |  |  |  |  |  | 48.666% | 48.666% | 48.666% | 07/03/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 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]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $5595.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 10.490% | 2 |  | 0 | 0 | 3 | 4 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.06 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 46 (redacted) |  | Non QM |  |  |  | Yes | No | $34755.00 | $42648.20 |  | 8.072% | $8596.12 | $8596.12 | 7.749% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15704.22 | 2 | $9235.92 | $2657.04 | $769.66 | $221.42 |  |  |  |  |  | 39.563% | 39.563% | 39.563% | 07/02/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $34755.00 |  | 6.570% | $37000.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.720% | 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 |  |  |  |  | 6.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 47 (redacted) |  | Non QM |  |  |  | Yes | No | $7824.00 | $9205.54 |  | 10.611% | $1473.08 | $1473.08 | 9.990% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4099.36 | 1 | $1103.28 | $9999.72 | $91.94 | $833.31 |  |  |  |  |  | 41.387% | 41.387% | 41.387% | 07/14/2025 | 557 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7824.00 |  | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 9.990% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 |  |  |  | $734.80 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 48 (redacted) |  | Non QM |  |  |  | Yes | No | $6548.00 | $9577.15 |  | 10.160% | $2366.72 | $2366.72 | 9.874% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5226.28 | 1 | $2520.24 | $2574.84 | $210.02 | $214.57 |  |  |  |  |  | 38.928% | 38.928% | 38.928% | 08/18/2025 | 590 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6548.00 |  | 6.220% | $0.00 | 2.3 |  |  |  | Yes | No | 9.874% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.31 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 49 (redacted) |  | Non QM |  |  |  | Yes | No | $7803.46 | $8516.32 |  | 11.138% | $1519.05 | $1519.05 | 10.490% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3270.34 | 1 | $1265.52 | $1437.84 | $105.46 | $119.82 |  |  |  |  |  | 34.940% | 34.940% | 34.940% | 07/31/2025 | 608 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7803.46 |  | 6.610% | $0.00 | 2.4 |  |  |  | Yes | No | 10.490% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 23 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.99 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 50 (redacted) |  | Non QM |  |  |  | Yes | No | $3254.58 | $5829.17 |  | 11.457% | $1348.85 | $1348.85 | 10.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3784.07 | 1 | $1794.00 | $1942.92 | $149.50 | $161.91 |  |  |  |  |  | 40.252% | 40.252% | 40.252% | 09/18/2025 | 581 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3254.58 |  | 6.790% | $0.00 | 1.1 |  |  |  | Yes | No | 10.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 41.810% | No | 4 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.66 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 51 (redacted) |  | Non QM |  |  |  | Yes | No | $5610.00 | $7464.40 |  | 10.980% | $1222.20 | $1222.20 | 10.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3406.13 | 1 | $3001.44 | $974.40 | $250.12 | $81.20 |  |  |  |  |  | 39.955% | 39.955% | 39.955% | 08/15/2025 | 608 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 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 |  |  |  | 18 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5610.00 |  | 6.570% | $0.00 | 1 |  |  |  | No | No | 10.374% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 194.56 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 52 (redacted) |  | Non QM |  |  |  | Yes | No | $11692.89 | $15032.91 |  | 10.638% | $5133.24 | $5133.24 | 10.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7800.92 | 1 | $13161.00 | $6411.00 | $1096.75 | $534.25 |  |  |  |  |  | 49.831% | 49.831% | 49.831% | 08/22/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<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]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11692.89 |  | 6.540% | $0.00 | 2 |  |  |  | Yes | No | 10.374% | 2 |  | 0 | 0 | 3 | 0 |  |  | 8.33 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 53 (redacted) |  | Non QM |  |  |  | Yes | No | $7273.50 | $8598.46 |  | 10.831% | $2055.21 | $2055.21 | 10.490% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2820.24 | 1 | $4424.64 | $2454.96 | $368.72 | $204.58 |  |  |  |  |  | 48.241% | 48.241% | 48.241% | 07/15/2025 | 506 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 2 |  |  | CMS | $7273.50 |  | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 10.490% | 0 | 0 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 7.46 |  |  | No |  |  |  | $1993.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 54 (redacted) |  | Non QM |  |  |  | Yes | No | $3791.25 | $4688.15 |  | 10.007% | $1147.39 | $1147.39 | 9.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3711.18 | 1 | $1136.40 | $4235.16 | $94.70 | $352.93 |  |  |  |  |  | 31.069% | 31.069% | 31.069% | 08/25/2025 | 594 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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]; 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 |  |  | CMS | $3791.25 |  | 6.220% | $0.00 | 2.1 |  |  |  | Yes | No | 9.624% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 55 (redacted) |  | Non QM |  |  |  | Yes | No | $22495.00 | $25219.00 |  | 7.869% | $7360.34 | $7360.34 | 7.624% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10924.69 | 1 | $11325.60 | $1470.00 | $943.80 | $122.50 |  |  |  |  |  | 45.684% | 45.684% | 45.684% | 08/20/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22495.00 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 23.850% | 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 |  |  |  |  | 9.35 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 56 (redacted) |  | Non QM |  |  |  | Yes | No | $2928.00 | $3844.80 |  | 10.308% | $868.27 | $868.27 | 9.874% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2255.26 | 1 | $2008.56 | $1261.08 | $167.38 | $105.09 |  |  |  |  |  | 41.422% | 41.422% | 41.422% | 07/14/2025 | 597 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2928.00 |  | 6.290% | $4233.00 | 1 |  |  |  | N/A | No | 9.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 96.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.7 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 57 (redacted) |  | Non QM |  |  |  | Yes | No | $12015.00 | $19057.30 |  | 6.639% | $6067.22 | $6067.22 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23310.09 | 1 | $14776.80 | $2607.96 | $1231.40 | $217.33 |  |  |  |  |  | 32.400% | 32.400% | 32.400% | 07/25/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | CMS | $12015.00 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.93 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 58 (redacted) |  | Non QM |  |  |  | Yes | No | $8893.00 | $11214.25 |  | 8.394% | $1918.80 | $1918.80 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9104.52 | 1 | $2275.92 | $947.04 | $189.66 | $78.92 |  |  |  |  |  | 43.373% | 43.373% | 43.373% | 09/13/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; Business License - 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) | 1yr P&L w/o Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8893.00 |  | 6.220% | $15000.00 | 2.6 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 42.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.42 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 59 (redacted) |  | Non QM |  |  |  | Yes | No | $8910.00 | $10925.70 |  | 6.614% | $5631.14 | $5631.14 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40186.90 | 1 | $21238.92 | $3332.04 | $1769.91 | $277.67 |  |  |  |  |  | 37.695% | 37.695% | 37.695% | 09/02/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8910.00 |  | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.15 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 60 (redacted) |  | Non QM |  |  |  | Yes | No | $10043.75 | $11288.41 |  | 10.265% | $2580.73 | $2580.73 | 9.874% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8478.17 | 1 | $3697.32 | $2463.00 | $308.11 | $205.25 |  |  |  |  |  | 42.874% | 42.874% | 42.874% | 09/09/2025 | 596 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $10043.75 |  | 6.290% | $0.00 | 1.7 |  |  |  | No | No | 9.874% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 29.05 |  |  | No |  |  |  | $0.00 | $6196.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 61 (redacted) |  | Non QM |  |  |  | Yes | No | $15776.75 | $3823.91 |  | 6.800% | $4624.03 | $4624.03 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16247.39 | 1 | $10193.88 | $1753.08 | $849.49 | $146.09 |  |  |  |  |  | 35.946% | 35.946% | 35.946% | 09/22/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15776.75 |  | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 62 (redacted) |  | Non QM |  |  |  | Yes | No | $12548.70 | $12971.84 |  | 9.989% | $2643.03 | $2643.03 | 9.490% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6887.41 | 1 | $2253.60 | $1559.04 | $187.80 | $129.92 |  |  |  |  |  | 42.971% | 42.971% | 42.971% | 08/26/2025 | 580 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 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 - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 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 |  |  | CMS | $12548.70 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 9.490% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 31 |  |  |  | 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 | 10.94 |  |  | No |  |  |  | $1019.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 63 (redacted) |  | Non QM |  |  |  | Yes | No | $29520.00 | $31278.54 |  | 6.710% | $9100.83 | $9100.83 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25158.80 | 1 | $14750.40 | $2199.96 | $1229.20 | $183.33 |  |  |  |  |  | 39.175% | 39.175% | 39.175% | 08/28/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $29520.00 |  | 6.290% | $0.00 | 1.1 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 3.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.57 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 64 (redacted) |  | Non QM |  |  |  | Yes | No | $5975.58 | $6251.18 |  | 7.773% | $867.23 | $867.23 | 7.249% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $2036.24 | 1 | $4468.08 | $768.00 | $372.34 | $64.00 |  |  |  |  |  | 49.906% | 49.906% | 49.906% | 10/27/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1099 Transcript - 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]; 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 - 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5975.58 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 | 2 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.020% | 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 |  |  |  |  | 5.11 |  |  | No |  |  |  | $0.00 | $1674.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 65 (redacted) |  | Non QM |  |  |  | Yes | No | $21347.50 | $23337.87 |  | 6.513% | $5226.89 | $5226.89 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24929.31 | 1 | $8416.44 | $3564.00 | $701.37 | $297.00 |  |  |  |  |  | 26.096% | 26.096% | 26.096% | 09/02/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [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 |  |  | CMS | $21347.50 |  | 6.540% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 66 (redacted) |  | N/A |  |  |  | No | No | $50284.53 | $20549.06 |  | 8.973% | $5351.03 | $5351.03 | 8.624% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $30253.25 | 1 | $13306.32 | $2708.76 | $1108.86 | $225.73 |  |  |  |  |  | 40.141% | 40.141% | 40.141% | 08/21/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $50284.53 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 38.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 44.83 |  | No | No |  |  |  | $50540.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 67 (redacted) |  | N/A |  |  |  | No | No | $18539.00 | $12379.20 |  | 8.131% | $1769.31 | $1769.31 | 7.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10440.07 | 1 | $5685.96 | $3456.96 | $473.83 | $288.08 |  |  |  |  |  | 42.513% | 42.513% | 42.513% | 09/08/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18539.00 |  | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 85.83 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 68 (redacted) |  | N/A |  |  |  | No | No | $21593.40 | $6754.24 |  | 6.136% | $2397.94 | $2397.94 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8879.68 | 1 | $11632.44 | $1628.04 | $969.37 | $135.67 |  |  |  |  |  | 42.419% | 42.419% | 42.419% | 10/07/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21593.40 |  | 6.240% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.38 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 69 (redacted) |  | Non QM |  |  |  | Yes | No | $4770.00 | $7221.03 |  | 9.207% | $2315.24 | $2315.24 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16693.96 | 1 | $5461.32 | $1630.08 | $455.11 | $135.84 |  |  |  |  |  | 25.338% | 25.338% | 25.338% | 10/09/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4770.00 |  | 6.240% | $9600.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 10.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.76 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 70 (redacted) |  | Non QM |  |  |  | Yes | No | $13951.56 | $16274.26 |  | 8.787% | $4292.34 | $4292.34 | 8.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10319.92 | 1 | $9880.68 | $4713.96 | $823.39 | $392.83 |  |  |  |  |  | 43.175% | 43.175% | 43.175% | 09/08/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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: 45.00000% \| 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 |  |  | CMS | $13951.56 |  | 6.310% | $10000.00 | 1.7 |  |  |  | Yes | No | 8.490% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.07 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 71 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7423.22 | $12066.78 |  | 7.765% | $2654.41 | $2654.41 | 7.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4917.97 | 1 | $4879.80 | $5022.72 | $406.65 | $418.56 |  |  |  |  |  | 41.711% | 41.711% | 41.711% | 09/03/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  | CMS | $7423.22 |  | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.490% | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | [redacted] |  |  | 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 | 24.83 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 72 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10495.00 | $13349.84 |  | 6.512% | $2708.87 | $2708.87 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10192.16 | 1 | $6558.48 | $3710.04 | $546.54 | $309.17 |  |  |  |  |  | 43.506% | 43.506% | 43.506% | 10/08/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: 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 |  |  | CMS | $10495.00 |  | 6.170% | $1000.00 | 1.2 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] | 28.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.92 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 73 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8662.50 | $10901.34 |  | 6.230% | $2308.02 | $2308.02 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $142292.99 | 1 | $16959.72 | $4731.60 | $1413.31 | $394.30 |  |  |  |  |  | 3.246% | 3.246% | 3.246% | 10/03/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | CMS | $8662.50 |  | 6.160% | $95000.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] | 2.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.06 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 74 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $3515.62 |  | 7.057% | $2020.48 | $2020.48 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8422.24 | 1 | $6507.36 | $1607.16 | $542.28 | $133.93 |  |  |  |  |  | 39.617% | 39.617% | 39.617% | 10/17/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $1890.00 |  | 6.160% | $2000.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] | 10.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.31 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 75 (redacted) |  | Non QM |  |  |  | Yes | No | $12585.00 | $15893.32 |  | 7.627% | $2701.15 | $2701.15 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6847.96 | 1 | $3758.64 | $7071.96 | $313.22 | $589.33 |  |  |  |  |  | 34.740% | 34.740% | 34.740% | 09/03/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12585.00 |  | 6.290% | $0.00 | 1 |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.44 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 76 (redacted) |  | Non QM |  |  |  | Yes | No | $6987.00 | $8325.27 |  | 8.835% | $1368.00 | $1368.00 | 8.374% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2764.61 | 1 | $2299.44 | $1502.04 | $191.62 | $125.17 |  |  |  |  |  | 48.073% | 48.073% | 48.073% | 09/25/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 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<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) | Retirement Income - Fully Verified |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6987.00 |  | 6.170% | $6800.00 |  |  |  |  | N/A | No | 8.374% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 72.750% | 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 |  |  |  |  |  |  |  |  |  |  |  | 37.81 |  |  | Yes |  |  |  | $1107.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 77 (redacted) |  | Non QM |  |  |  | Yes | No | $12632.00 | $7563.55 |  | 9.261% | $2093.36 | $2093.36 | 8.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3999.68 | 1 | $5872.32 | $5894.04 | $489.36 | $491.17 |  |  |  |  |  | 49.464% | 49.464% | 49.464% | 10/09/2025 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12632.00 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 8.990% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 78 (redacted) |  | Non QM |  |  |  | Yes | No | $5540.00 | $11181.36 |  | 6.535% | $1169.00 | $1169.00 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4646.40 | 1 | $1368.96 | $1805.04 | $114.08 | $150.42 |  |  |  |  |  | 24.564% | 24.564% | 24.564% | 09/17/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 2yr P&L w/o Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5540.00 |  | 6.240% | $10605.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 0.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.65 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 79 (redacted) |  | Non QM |  |  |  | Yes | No | $8322.00 | $10478.20 |  | 7.255% | $1820.82 | $1820.82 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2825.84 | 1 | $1938.48 | $1914.00 | $161.54 | $159.50 |  |  |  |  |  | 43.116% | 43.116% | 43.116% | 08/25/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 | [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 |  |  | CMS | $8322.00 |  | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 2.63 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 80 (redacted) |  | Non QM |  |  |  | Yes | No | $16091.25 | $14984.11 |  | 6.249% | $3138.31 | $3138.31 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5467.98 | 1 | $10362.48 | $2792.40 | $863.54 | $232.70 |  |  |  |  |  | 46.337% | 46.337% | 46.337% | 10/08/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16091.25 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 62.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.82 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 81 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20336.25 | $25016.45 |  | 7.300% | $4914.95 | $4914.95 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16247.27 | 1 | $18010.44 | $3828.96 | $1500.87 | $319.08 |  |  |  |  |  | 32.450% | 32.450% | 32.450% | 10/08/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; Business License - 2022 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20336.25 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] | 35.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 82 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10795.00 | $3815.62 |  | 6.783% | $3631.78 | $3631.78 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40348.35 | 1 | $8391.72 | $2630.04 | $699.31 | $219.17 |  |  |  |  |  | 18.091% | 18.091% | 18.091% | 09/17/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10795.00 |  | 6.310% | $0.00 | 1.4 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.92 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 83 (redacted) |  | Non QM |  |  |  | Yes | No | $18855.00 | $22288.35 |  | 7.589% | $4256.36 | $4256.36 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10339.76 | 1 | $6659.04 | $1665.96 | $554.92 | $138.83 |  |  |  |  |  | 37.769% | 37.769% | 37.769% | 09/22/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18855.00 |  | 6.240% | $0.00 | 1.1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.64 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 84 (redacted) |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $20070.00 | $24414.73 |  | 8.297% | $5388.05 | $5388.05 | 7.990% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $16977.87 | 1 | $22917.96 | $1431.00 | $1909.83 | $119.25 |  |  |  |  |  | 44.227% | 44.227% | 44.227% | 09/24/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - 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 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20070.00 |  | 6.290% | $0.00 |  |  |  |  | N/A | No | 7.990% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] |  |  | No | 33 | 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 |  |  |  |  |  |  | Employment Authorization, VISA | Employment Authorization |  |  | No | 14.39 |  |  | No |  |  |  | $0.00 | $12152.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 85 (redacted) |  | Non QM |  |  |  | Yes | No | $3751.20 | $5398.32 |  | 7.204% | $1147.06 | $1147.06 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7713.53 | 1 | $1262.04 | $1517.64 | $105.17 | $126.47 |  |  |  |  |  | 20.383% | 20.383% | 20.383% | 10/17/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3751.20 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.35 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 86 (redacted) |  | Non QM |  |  |  | Yes | No | $6739.00 | $7343.20 |  | 9.479% | $1390.75 | $1390.75 | 8.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3316.94 | 1 | $1013.16 | $1146.00 | $84.43 | $95.50 |  |  |  |  |  | 43.258% | 43.258% | 43.258% | 06/26/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6739.00 |  | 6.240% | $0.00 |  |  |  |  | N/A | No | 8.990% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.89 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 87 (redacted) |  | Non QM |  |  |  | Yes | No | $8306.00 | $9921.74 |  | 10.712% | $1684.82 | $1684.82 | 10.124% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6025.49 | 1 | $1747.68 | $2248.44 | $145.64 | $187.37 |  |  |  |  |  | 25.449% | 25.449% | 25.449% | 08/11/2025 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8306.00 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 10.124% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 34 | 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 |  |  |  |  |  |  |  |  |  |  | No | 21.89 |  |  | No |  |  |  | $0.00 | $3161.39 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 88 (redacted) |  | Non QM |  |  |  | Yes | No | $7717.51 | $9892.95 |  | 9.051% | $1411.58 | $1411.58 | 8.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5289.04 | 1 | $2719.32 | $3752.52 | $226.61 | $312.71 |  |  |  |  |  | 46.826% | 46.826% | 46.826% | 09/08/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7717.51 |  | 6.170% | $6000.00 |  |  |  |  | N/A | No | 8.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 53.010% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.08 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 89 (redacted) |  | Non QM |  |  |  | Yes | No | $9101.25 | $14418.87 |  | 6.427% | $1775.98 | $1775.98 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4080.18 | 1 | $5158.92 | $1272.00 | $429.91 | $106.00 |  |  |  |  |  | 44.051% | 44.051% | 44.051% | 09/16/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9101.25 |  | 6.240% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 28.360% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.16 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 90 (redacted) |  | Non QM |  |  |  | Yes | No | $4420.00 | $4728.85 |  | 7.340% | $689.71 | $689.71 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4746.01 | 1 | $1603.56 | $2745.00 | $133.63 | $228.75 |  |  |  |  |  | 18.145% | 18.145% | 18.145% | 09/16/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 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 - Personal - 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]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | CMS | $4420.00 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 92.88 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 91 (redacted) |  | Non QM |  |  |  | Yes | No | $21519.00 | $33097.58 |  | 7.725% | $4583.77 | $4583.77 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14215.10 | 1 | $8077.92 | $5031.24 | $673.16 | $419.27 |  |  |  |  |  | 35.047% | 35.047% | 35.047% | 09/18/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21519.00 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 6.01 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 92 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25936.69 | $17890.55 |  | 6.044% | $13827.15 | $13827.15 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18096.50 | 1 | $24318.12 | $3334.08 | $2026.51 | $277.84 |  |  |  |  |  | 49.662% | 49.662% | 49.662% | 09/29/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $25936.69 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [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 | 14.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 93 (redacted) |  | Non QM |  |  |  | Yes | No | $8159.40 | $10226.66 |  | 8.205% | $1238.52 | $1238.52 | 7.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2251.14 | 1 | $1844.04 | $3864.00 | $153.67 | $322.00 |  |  |  |  |  | 44.735% | 44.735% | 44.735% | 08/07/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8159.40 |  | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 10 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 94 (redacted) |  | Non QM |  |  |  | Yes | No | $20566.88 | $26194.88 |  | 7.464% | $4622.93 | $4622.93 | 7.124% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Ecuador |  |  |  | $65061.45 | 1 | $15191.76 | $1325.04 | $1265.98 | $110.42 |  |  |  |  |  | 8.488% | 8.488% | 8.488% | 09/30/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $20566.88 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 7.97 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 95 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7712.50 | $9724.40 |  | 7.069% | $1783.46 | $1783.46 | 6.749% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15887.84 | 1 | $6015.36 | $2364.96 | $501.28 | $197.08 |  |  |  |  |  | 26.862% | 26.862% | 26.862% | 09/29/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7712.50 |  | 6.290% | $0.00 | 1.8 |  |  |  | Yes | No | 6.749% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] | 90.930% | 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 |  |  |  |  |  |  |  |  |  |  |  | 71.72 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 96 (redacted) |  | N/A |  |  |  | No | No | $34242.20 | $17826.40 |  | 6.851% | $4481.71 | $4481.71 | 6.624% | No | No | Not Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $9166.64 | 1 | $12500.04 | $1494.96 | $1041.67 | $124.58 |  |  |  |  |  | 44.745% | 44.745% | 44.745% | 10/09/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $34242.20 |  | 6.170% | $220.00 |  |  |  |  | N/A | No | 6.624% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 32.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.81 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | 360 |
| (redacted) | 97 (redacted) |  | N/A |  |  |  | No | No | $12070.00 | $9564.14 |  | 7.546% | $919.61 | $919.61 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4781.76 | 1 | $4912.44 | $1029.00 | $409.37 | $85.75 |  |  |  |  |  | 42.883% | 42.883% | 42.883% | 08/08/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12070.00 |  | 6.160% | $0.00 | 1.8 |  |  |  | No | No | 6.874% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.28 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 98 (redacted) |  | Non QM |  |  |  | Yes | No | $39544.35 | $48674.63 |  | 6.368% | $15856.84 | $22254.99 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $82665.95 | 1 | $23860.68 | $9746.04 | $1988.39 | $812.17 |  |  |  |  |  | 29.023% | 23.530% | 29.023% | 09/19/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $39544.35 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.60 | No |  |  |  |  |  |  |  |  | 240 | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.64 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 |
| (redacted) | 99 (redacted) |  | Non QM |  |  |  | Yes | No | $10115.63 | $12120.89 |  | 9.120% | $2654.87 | $2654.87 | 8.749% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7775.29 | 1 | $5004.12 | $2913.12 | $417.01 | $242.76 |  |  |  |  |  | 37.536% | 37.536% | 37.536% | 10/15/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10115.63 |  | 6.160% | $7500.00 |  |  |  |  | N/A | No | 8.749% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 26.770% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.8 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 100 (redacted) |  | Non QM |  |  |  | Yes | No | $11210.00 | $12279.26 |  | 7.337% | $2299.62 | $2299.62 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6118.54 | 1 | $6750.12 | $1327.80 | $562.51 | $110.65 |  |  |  |  |  | 32.699% | 32.699% | 32.699% | 10/01/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $11210.00 |  | 6.260% | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 101 (redacted) |  | Non QM |  |  |  | Yes | No | $3661.00 | $3620.53 |  | 6.574% | $807.11 | $807.11 | 6.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3865.96 | 1 | $1870.56 | $1362.00 | $155.88 | $113.50 |  |  |  |  |  | 41.766% | 41.766% | 41.766% | 10/22/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3661.00 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 6.374% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.58 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 102 (redacted) |  | Non QM |  |  |  | Yes | No | $19545.00 | $22784.59 |  | 6.798% | $4424.02 | $4424.02 | 6.499% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7550.15 | 1 | $6030.60 | $1827.36 | $502.55 | $152.28 |  |  |  |  |  | 44.623% | 44.623% | 44.623% | 09/02/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19545.00 |  | 6.290% | $0.00 | 1.5 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 10.720% | 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 |  |  |  |  | 6.55 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 103 (redacted) |  | Non QM |  |  |  | Yes | No | $7575.00 | $8910.36 |  | 9.981% | $1680.25 | $1680.25 | 9.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3478.01 | 1 | $3033.96 | $836.88 | $252.83 | $69.74 |  |  |  |  |  | 41.711% | 41.711% | 41.711% | 10/08/2025 | 600 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | CMS | $7575.00 |  | 6.260% | $18000.00 |  |  |  |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 55.640% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.45 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 104 (redacted) |  | Non QM |  |  |  | Yes | No | $9574.20 | $13336.48 |  | 7.549% | $1980.53 | $1980.53 | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5166.30 | 1 | $6426.84 | $1599.60 | $535.57 | $133.30 |  |  |  |  |  | 49.522% | 49.522% | 49.522% | 08/20/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | CMS | $9574.20 |  | 6.290% | $0.00 | 1 |  |  |  | No | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 40.950% | 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 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 105 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $5569.89 |  | 6.897% | $2115.83 | $2115.83 | 6.749% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5293.26 | 1 | $5726.88 | $3266.04 | $477.24 | $272.17 |  |  |  |  |  | 44.476% | 44.476% | 44.476% | 10/08/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1895.00 |  | 6.260% | $0.00 | 1.2 |  |  |  | Yes | No | 6.749% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.090% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.82 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 106 (redacted) |  | Non QM |  |  |  | Yes | No | $3733.75 | $6033.10 |  | 6.118% | $2444.41 | $2444.41 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7593.96 | 1 | $8227.44 | $2725.08 | $685.62 | $227.09 |  |  |  |  |  | 39.476% | 39.476% | 39.476% | 10/02/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3733.75 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.88 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 107 (redacted) |  | Non QM |  |  |  | Yes | No | $13752.89 | $12407.16 |  | 6.558% | $2151.73 | $2151.73 | 6.249% | No | Yes | Not Employed | Self-Employed | Self-Employed |  | 15.24 |  | Permanent Resident Alien | US Citizen | US Citizen |  |  |  |  |  | $19854.76 | 1 | $6553.20 | $1135.80 | $546.10 | $94.65 |  |  |  |  |  | 29.910% | 29.910% | 29.910% | 10/03/2025 | 778 | 800 | 802 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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) - \| Non-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> [Coborrower(s) - \| Non-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> [Coborrower(s) - \| Non-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> [Coborrower(s) - \| Non-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]; 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 |  |  | CMS | $13752.89 |  | 6.160% | $16000.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 85.390% | No |  |  |  |  | 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 |  |  |  | Resident Alien Card |  |  |  |  | 96.08 |  | No | No |  |  |  | $28327.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 108 (redacted) |  | Non QM |  |  |  | Yes | No | $23145.00 | $28038.86 |  | 7.200% | $5123.52 | $5123.52 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7212.59 | 2 | $7916.16 | $1500.96 | $659.68 | $125.08 |  |  |  |  |  | 45.176% | 45.176% | 45.176% | 09/04/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23145.00 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 32.350% | 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 |  |  |  |  | 10.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 109 (redacted) |  | Non QM |  |  |  | Yes | No | $12881.40 | $7663.74 |  | 7.158% | $2520.28 | $2520.28 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26455.74 | 1 | $10687.68 | $2662.68 | $890.64 | $221.89 |  |  |  |  |  | 40.682% | 40.682% | 40.682% | 10/27/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | CMS | $12881.40 |  | 6.160% | $17000.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 28.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.37 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 110 (redacted) |  | Non QM |  |  |  | Yes | No | $24339.24 | $26125.56 |  | 8.562% | $4543.65 | $4543.65 | 8.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8523.68 | 1 | $8405.28 | $2130.12 | $700.44 | $177.51 |  |  |  |  |  | 49.779% | 49.779% | 49.779% | 10/10/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022 | [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 |  |  | CMS | $24339.24 |  | 6.260% | $0.00 | 1 |  |  |  | No | No | 8.124% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 1.24 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 111 (redacted) |  | Non QM |  |  |  | Yes | No | $7640.90 | $12899.25 |  | 6.850% | $2186.73 | $2186.73 | 6.499% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7275.29 | 1 | $4422.24 | $1296.96 | $368.52 | $108.08 |  |  |  |  |  | 43.197% | 43.197% | 43.197% | 09/30/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7640.90 |  | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [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 | 21.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 112 (redacted) |  | Non QM |  |  |  | Yes | No | $19982.50 | $22925.66 |  | 6.563% | $4094.09 | $4094.09 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38988.55 | 1 | $14794.08 | $2301.00 | $1232.84 | $191.75 |  |  |  |  |  | 12.531% | 12.531% | 12.531% | 10/01/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [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 |  |  | CMS | $19982.50 |  | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 49.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.75 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 113 (redacted) |  | Non QM |  |  |  | Yes | No | $27057.16 | $27737.98 |  | 6.164% | $8948.80 | $8948.80 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22479.94 | 1 | $21681.96 | $3836.04 | $1806.83 | $319.67 |  |  |  |  |  | 44.483% | 44.483% | 44.483% | 09/25/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  | 0 | 0 | 0 |  |  | CMS | $27057.16 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.36 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 114 (redacted) |  | Non QM |  |  |  | Yes | No | $11295.00 | $16711.65 |  | 6.611% | $3992.35 | $3992.35 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9864.15 | 1 | $9999.96 | $2882.04 | $833.33 | $240.17 |  |  |  |  |  | 34.340% | 34.340% | 34.340% | 10/10/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11295.00 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 8.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 115 (redacted) |  | Non QM |  |  |  | Yes | No | $1831.80 | $2853.60 |  | 10.265% | $982.05 | $982.05 | 9.990% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2066.02 | 1 | $1815.96 | $3583.20 | $151.33 | $298.60 |  |  |  |  |  | 40.937% | 40.937% | 40.937% | 10/20/2025 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1831.80 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 9.990% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] |  | 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 | 4.21 |  |  | No |  |  |  | $1807.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 116 (redacted) |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3100.00 | $11660.10 |  | 6.237% | $4392.56 | $4392.56 | 6.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46629.79 | 1 | $11408.64 | $3249.00 | $950.72 | $270.75 |  |  |  |  |  | 15.709% | 15.709% | 15.709% | 09/29/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| 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: 49.00% \| 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: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1998 | [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 |  |  | CMS | $3100.00 |  | 6.290% | $0.00 | 1.7 |  |  |  | N/A | No | 6.124% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 117 (redacted) |  | Non QM |  |  |  | Yes | No | $4995.96 | $8294.74 |  | 6.038% | $8273.51 | $8273.51 | 5.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20574.37 | 1 | $24478.44 | $2918.52 | $2039.87 | $243.21 |  |  |  |  |  | 35.837% | 35.837% | 35.837% | 09/22/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% | 1.000% |  | [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]; CPA Letter - 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]; 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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4995.96 |  | 6.160% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 7.23 |  | No | No |  |  |  | $320.66 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 118 (redacted) |  | Non QM |  |  |  | Yes | No | $19372.50 | $22027.82 |  | 7.211% | $6131.22 | $6131.22 | 6.990% | No | No | Employed | Employed | Employed |  | 52.08 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $17214.32 | 1 | $8967.60 | $1634.28 | $747.30 | $136.19 |  |  |  |  |  | 41.830% | 41.830% | 41.830% | 09/15/2025 | 725 | 693 | 712 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 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> [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| 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]; 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<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 |  |  | CMS | $19372.50 |  | 6.170% | $0.00 | 1.3 |  |  |  | No | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  | 9 |  | 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 |  |  |  |  |  |  |  | No | 25.29 |  |  | No |  |  |  | $2444.00 | $12547.95 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 119 (redacted) |  | Non QM |  |  |  | Yes | No | $22257.00 | $30992.62 |  | 7.076% | $18221.52 | $18221.52 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $159920.85 | 1 | $29370.12 | $30120.12 | $2447.51 | $2510.01 |  |  |  |  |  | 16.444% | 16.444% | 16.444% | 10/21/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22257.00 |  | 6.160% | ($25000.00) | 1.5 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.23 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 120 (redacted) |  | Non QM |  |  |  | Yes | No | $4887.50 | $5746.40 |  | 9.731% | $2205.33 | $2205.33 | 9.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10247.80 | 1 | $7536.00 | $4591.08 | $628.00 | $382.59 |  |  |  |  |  | 35.937% | 35.937% | 35.937% | 10/06/2025 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4887.50 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 9.490% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 40.580% | No | 16 | 11 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 8.19 |  |  | No |  |  |  | $0.00 | $7599.37 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 121 (redacted) |  | Non QM |  |  |  | Yes | No | $6535.00 | $4232.53 |  | 8.277% | $2346.07 | $2346.07 | 8.124% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Guatemala |  |  |  | $3573.83 | 1 | $4374.96 | $1884.96 | $364.58 | $157.08 |  |  |  |  |  | 48.847% | 48.847% | 48.847% | 10/24/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6535.00 |  | 6.160% | $67132.22 | 1 |  |  |  | No | No | 8.124% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 27.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 7.49 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 122 (redacted) |  | Non QM |  |  |  | Yes | No | $11072.20 | $12274.90 |  | 7.042% | $1843.91 | $1843.91 | 6.624% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Peru |  |  |  | $5378.23 | 1 | $6855.24 | $1446.00 | $571.27 | $120.50 |  |  |  |  |  | 41.252% | 41.252% | 41.252% | 11/19/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11072.20 |  | 6.160% | $18700.00 | 1 |  |  |  | Yes | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 25.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.24 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 123 (redacted) |  | Non QM |  |  |  | Yes | No | $13746.00 | $15961.19 |  | 7.253% | $2706.27 | $2706.27 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5327.04 | 1 | $5143.44 | $3932.04 | $428.62 | $327.67 |  |  |  |  |  | 40.653% | 40.653% | 40.653% | 10/06/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13746.00 |  | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.3 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 124 (redacted) |  | Non QM |  |  |  | Yes | No | $14032.50 | $3394.04 |  | 6.653% | $4513.73 | $4513.73 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7577.98 | 1 | $12670.44 | $1665.00 | $1055.87 | $138.75 |  |  |  |  |  | 43.165% | 43.165% | 43.165% | 10/07/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS | $14032.50 |  | 6.240% | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.14 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 125 (redacted) |  | Non QM |  |  |  | Yes | No | $11694.00 | $15577.61 |  | 7.425% | $5448.34 | $5448.34 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8245.03 | 1 | $12025.56 | $3162.00 | $1002.13 | $263.50 |  |  |  |  |  | 45.714% | 45.714% | 45.714% | 10/09/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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]; P&L Statement - 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11694.00 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [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 | 40.76 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 126 (redacted) |  | Non QM |  |  |  | Yes | No | $8449.15 | $9006.05 |  | 6.438% | $1168.55 | $1168.55 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4794.34 | 1 | $2809.32 | $840.96 | $234.11 | $70.08 |  |  |  |  |  | 26.547% | 26.547% | 26.547% | 10/23/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [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]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8449.15 |  | 6.170% | $6500.00 | 1.3 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 52.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.44 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 127 (redacted) |  | Non QM |  |  |  | Yes | No | $12560.00 | $16861.42 |  | 6.752% | $3968.97 | $3968.97 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7853.48 | 1 | $10261.56 | $1464.00 | $855.13 | $122.00 |  |  |  |  |  | 38.643% | 38.643% | 38.643% | 09/25/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12560.00 |  | 6.260% | $0.00 | 2.2 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 4.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.67 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 128 (redacted) |  | Non QM |  |  |  | Yes | No | $11645.00 | $5585.51 |  | 6.296% | $3749.40 | $5262.26 | 6.249% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7563.41 | 1 | $12930.84 | $2346.96 | $1077.57 | $195.58 |  |  |  |  |  | 46.354% | 35.624% | 46.354% | 10/01/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 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 |  |  | CMS | $11645.00 |  | 6.290% | $0.00 |  |  |  |  | N/A | No | 6.249% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [redacted] | [redacted] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 14.65 |  |  | No |  |  |  | $0.00 | $8250.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| (redacted) | 129 (redacted) |  | Non QM |  |  |  | Yes | No | $4895.00 | $7218.46 |  | 6.171% | $2254.07 | $2254.07 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8071.09 | 1 | $11783.04 | $3888.96 | $981.92 | $324.08 |  |  |  |  |  | 49.947% | 49.947% | 49.947% | 10/14/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4895.00 |  | 6.260% | $0.00 | 2.1 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.02 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 130 (redacted) |  | Non QM |  |  |  | Yes | No | $15165.72 | $16801.56 |  | 7.185% | $5378.13 | $5378.13 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8988.14 | 1 | $17676.24 | $3590.04 | $1473.02 | $299.17 |  |  |  |  |  | 48.842% | 48.842% | 48.842% | 10/22/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 |  |  | CMS | $15165.72 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.34 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 131 (redacted) |  | Non QM |  |  |  | Yes | No | $15512.31 | $25780.76 |  | 6.258% | $10471.60 | $10471.60 | 6.124% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30092.24 | 1 | $36125.04 | $2823.00 | $3010.42 | $235.25 |  |  |  |  |  | 43.309% | 43.309% | 43.309% | 09/24/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15512.31 |  | 6.170% | $0.00 | 1 |  |  |  | No | No | 6.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 235.15 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 132 (redacted) |  | Non QM |  |  |  | Yes | No | $10536.25 | $12950.17 |  | 6.377% | $1927.35 | $1927.35 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3499.14 | 1 | $11823.84 | $5338.20 | $985.32 | $444.85 |  |  |  |  |  | 48.967% | 48.967% | 48.967% | 10/16/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10536.25 |  | 6.160% | $0.00 | 1.3 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 7.18 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 133 (redacted) |  | Non QM |  |  |  | Yes | No | $18798.60 | $21615.06 |  | 6.338% | $3501.00 | $3501.00 | 5.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5228.00 | 1 | $6368.76 | $1547.04 | $530.73 | $128.92 |  |  |  |  |  | 44.523% | 44.523% | 44.523% | 08/18/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18798.60 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.850% | 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 |  |  |  |  | 19.97 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 134 (redacted) |  | Non QM |  |  |  | Yes | No | $43120.20 | $20000.14 |  | 7.203% | $5901.92 | $5901.92 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11177.95 | 1 | $9515.16 | $1887.00 | $792.93 | $157.25 |  |  |  |  |  | 43.796% | 43.796% | 43.796% | 09/23/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $43120.20 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.93 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 135 (redacted) |  | Non QM |  |  |  | Yes | No | $16862.80 | $20312.00 |  | 7.700% | $2438.62 | $2438.62 | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7208.86 | 1 | $4642.56 | $1860.96 | $386.88 | $155.08 |  |  |  |  |  | 33.757% | 33.757% | 33.757% | 09/02/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16862.80 |  | 6.170% | $0.00 | 1.4 |  |  |  | Yes | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [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 | 6.25 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 136 (redacted) |  | Non QM |  |  |  | Yes | No | $31045.00 | $8110.04 |  | 7.317% | $6821.08 | $6821.08 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34769.11 | 1 | $25472.40 | $18510.96 | $2122.70 | $1542.58 |  |  |  |  |  | 45.839% | 45.839% | 45.839% | 09/29/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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%)]; 1120S - 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> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $31045.00 |  | 6.170% | $0.00 | 2.2 |  |  |  | No | No | 7.249% | 1 |  | 1 | 0 | 3 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.31 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 137 (redacted) |  | Non QM |  |  |  | Yes | No | $10340.00 | $13199.56 |  | 8.734% | $2857.61 | $2857.61 | 8.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6208.26 | 1 | $5361.12 | $5120.16 | $446.76 | $426.68 |  |  |  |  |  | 42.119% | 42.119% | 42.119% | 09/03/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 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 | [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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10340.00 |  | 6.160% | $8000.00 |  |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 25.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.15 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 138 (redacted) |  | Non QM |  |  |  | Yes | No | $11818.13 | $2567.53 |  | 8.298% | $3228.27 | $3228.27 | 8.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20947.55 | 1 | $5515.44 | $5353.56 | $459.62 | $446.13 |  |  |  |  |  | 20.048% | 20.048% | 20.048% | 09/04/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11818.13 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 8.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.78 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 139 (redacted) |  | Non QM |  |  |  | Yes | No | $9945.00 | $11461.15 |  | 7.251% | $1970.59 | $1970.59 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6281.68 | 1 | $4570.44 | $2925.60 | $380.87 | $243.80 |  |  |  |  |  | 35.526% | 35.526% | 35.526% | 10/23/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9945.00 |  | 6.170% | $0.00 | 2.4 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.61 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 140 (redacted) |  | Non QM |  |  |  | Yes | No | $30524.43 | $16489.99 |  | 7.164% | $4729.02 | $4729.02 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7548.10 | 1 | $9548.52 | $1038.00 | $795.71 | $86.50 |  |  |  |  |  | 42.771% | 42.771% | 42.771% | 10/01/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $30524.43 |  | 6.170% | $0.00 | 1.3 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 141 (redacted) |  | Non QM |  |  |  | Yes | No | $25036.63 | $29087.53 |  | 7.426% | $10587.66 | $10587.66 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26391.54 | 1 | $19801.08 | $2583.00 | $1650.09 | $215.25 |  |  |  |  |  | 39.503% | 39.503% | 39.503% | 08/26/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $25036.63 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.63 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 142 (redacted) |  | Non QM |  |  |  | Yes | No | $9670.98 | $13208.40 |  | 8.820% | $2797.80 | $2797.80 | 8.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5165.22 | 1 | $5190.00 | $1724.04 | $432.50 | $143.67 |  |  |  |  |  | 44.753% | 44.753% | 44.753% | 09/04/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9670.98 |  | 6.260% | $7500.00 | 1 |  |  |  | No | No | 8.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 54.190% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.78 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 143 (redacted) |  | Non QM |  |  |  | Yes | No | $5064.83 | $5346.43 |  | 9.182% | $1071.39 | $1071.39 | 8.749% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5400.36 | 1 | $5817.36 | $2336.04 | $484.78 | $194.67 |  |  |  |  |  | 31.592% | 31.592% | 31.592% | 10/14/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5064.83 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 8.749% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 21.54 |  |  | No |  |  |  | $0.00 | $2949.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 144 (redacted) |  | Non QM |  |  |  | Yes | No | $19592.60 | $13841.87 |  | 7.189% | $3615.59 | $3615.59 | 6.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6113.47 | 1 | $5430.36 | $1623.96 | $452.53 | $135.33 |  |  |  |  |  | 40.887% | 40.887% | 40.887% | 10/08/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19592.60 |  | 6.260% | $10000.00 | 1.5 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 36.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.02 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 145 (redacted) |  | Non QM |  |  |  | Yes | No | $6131.44 | $7459.50 |  | 6.406% | $944.79 | $944.79 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3205.78 | 1 | $1842.24 | $896.04 | $153.52 | $74.67 |  |  |  |  |  | 40.043% | 40.043% | 40.043% | 09/19/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 - 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 |  |  | CMS | $6131.44 |  | 6.170% | $0.00 | 2 |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 146 (redacted) |  | Non QM |  |  |  | Yes | No | $23613.50 | $25914.10 |  | 6.415% | $3536.97 | $3536.97 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6269.40 | 1 | $17437.80 | $3213.96 | $1453.15 | $267.83 |  |  |  |  |  | 46.053% | 46.053% | 46.053% | 11/05/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23613.50 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 147 (redacted) |  | Non QM |  |  |  | Yes | No | $31159.00 | $34294.09 |  | 6.493% | $6584.96 | $6584.96 | 6.249% | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8335.66 | 1 | $1477.92 | $1677.00 | $123.16 | $139.75 |  |  |  |  |  | 49.221% | 49.221% | 49.221% | 10/10/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $31159.00 |  | 6.170% | $37300.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 9.320% | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.72 |  | No | No |  |  |  | $1019.00 | $3630.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 480 |
| (redacted) | 148 (redacted) |  | Non QM |  |  |  | Yes | No | $5464.69 | $6907.84 |  | 10.306% | $2206.33 | $2206.33 | 9.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | El Salvador |  |  |  | $23335.52 | 1 | $3354.96 | $2148.00 | $279.58 | $179.00 |  |  |  |  |  | 11.706% | 11.706% | 11.706% | 09/11/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5464.69 |  | 6.260% | $12000.00 | 2.5 |  |  |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.40 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.280% | 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 |  |  |  |  | 6.87 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 149 (redacted) |  | Non QM |  |  |  | Yes | No | $32340.00 | $1052.02 |  | 6.999% | $7816.06 | $7816.06 | 6.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $36851.41 | 1 | $14836.92 | $6679.56 | $1236.41 | $556.63 |  |  |  |  |  | 22.788% | 22.788% | 22.788% | 10/08/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $32340.00 |  | 6.540% | $11463.70 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 16.300% | 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 |  |  |  |  | 6.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 150 (redacted) |  | Non QM |  |  |  | Yes | No | $12407.50 | $15692.71 |  | 7.787% | $3562.50 | $3562.50 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9225.61 | 1 | $12038.28 | $1394.04 | $1003.19 | $116.17 |  |  |  |  |  | 40.945% | 40.945% | 40.945% | 08/15/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12407.50 |  | 6.290% | $1000.00 | 2.4 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.320% | 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 |  |  |  |  | 5.94 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 151 (redacted) |  | Non QM |  |  |  | Yes | No | $9257.50 | $10560.60 |  | 7.883% | $1920.96 | $1920.96 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8264.51 | 1 | $8753.28 | $1409.04 | $729.44 | $117.42 |  |  |  |  |  | 43.445% | 43.445% | 43.445% | 11/21/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9257.50 |  | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.44 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 152 (redacted) |  | Non QM |  |  |  | Yes | No | $10127.00 | $9459.68 |  | 6.247% | $1705.45 | $1705.45 | 5.999% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3424.28 | 1 | $2441.88 | $3381.00 | $203.49 | $281.75 |  |  |  |  |  | 47.294% | 47.294% | 47.294% | 10/15/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10127.00 |  | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.8 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 153 (redacted) |  | Non QM |  |  |  | Yes | No | $5327.03 | $7426.48 |  | 10.506% | $1018.01 | $1018.01 | 9.749% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2898.04 | 1 | $1071.60 | $2135.04 | $89.30 | $177.92 |  |  |  |  |  | 39.488% | 39.488% | 39.488% | 09/30/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5327.03 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 9.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.97 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 154 (redacted) |  | Non QM |  |  |  | Yes | No | $6921.80 | $8711.26 |  | 6.274% | $1750.50 | $1750.50 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $4679.91 | 1 | $5254.32 | $1082.76 | $437.86 | $90.23 |  |  |  |  |  | 33.387% | 33.387% | 33.387% | 10/22/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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 | Alternative Documentation (A) | 2yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6921.80 |  | 6.260% | $0.00 | 1.8 |  |  |  | No | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 40.340% | 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 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 27.66 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 155 (redacted) |  | Non QM |  |  |  | Yes | No | $54532.75 | $27068.84 |  | 7.386% | $9447.20 | $9447.20 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19781.25 | 1 | $7551.00 | $1266.96 | $629.25 | $105.58 |  |  |  |  |  | 43.554% | 43.554% | 43.554% | 10/28/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $54532.75 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.4 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 156 (redacted) |  | Non QM |  |  |  | Yes | No | $4660.00 | $5509.75 |  | 10.658% | $876.83 | $876.83 | 9.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2496.96 | 1 | $821.64 | $1566.96 | $68.47 | $130.58 |  |  |  |  |  | 32.657% | 32.657% | 32.657% | 10/28/2025 | 528 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 4 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4660.00 |  | 6.230% | $0.00 |  |  |  |  | N/A | No | 9.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 157 (redacted) |  | Non QM |  |  |  | Yes | No | $16498.00 | $12472.99 |  | 7.095% | $2969.02 | $2969.02 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7653.42 | 1 | $10142.64 | $1298.04 | $845.22 | $108.17 |  |  |  |  |  | 42.914% | 42.914% | 42.914% | 09/11/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16498.00 |  | 6.230% | $0.00 | 1.6 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.9 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 158 (redacted) |  | Non QM |  |  |  | Yes | No | $2896.20 | $3786.55 |  | 9.005% | $839.94 | $839.94 | 8.624% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1908.29 | 1 | $910.20 | $3308.64 | $75.85 | $275.72 |  |  |  |  |  | 38.438% | 38.438% | 38.438% | 10/15/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $2896.20 |  | 6.260% | $0.00 | 1.2 |  |  |  | Yes | No | 8.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.44 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 159 (redacted) |  | Non QM |  |  |  | Yes | No | $5293.22 | $6437.32 |  | 7.315% | $1298.02 | $1298.02 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11357.17 | 1 | $2037.00 | $4556.28 | $169.75 | $379.69 |  |  |  |  |  | 23.063% | 23.063% | 23.063% | 10/17/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% | 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 - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5293.22 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 23.26 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 160 (redacted) |  | Non QM |  |  |  | Yes | No | $44852.40 | $51833.06 |  | 7.505% | $25812.82 | $25812.82 | 7.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $133679.70 | 1 | $59381.40 | $17147.64 | $4948.45 | $1428.97 |  |  |  |  |  | 25.145% | 25.145% | 25.145% | 09/24/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | CMS | $44852.40 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 26.79 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 161 (redacted) |  | Non QM |  |  |  | Yes | No | $10789.00 | $12187.60 |  | 7.248% | $3057.30 | $3057.30 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32465.92 | 1 | $8700.00 | $2436.36 | $725.00 | $203.03 |  |  |  |  |  | 17.510% | 17.510% | 17.510% | 10/17/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10789.00 |  | 6.160% | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 524.6 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 162 (redacted) |  | Non QM |  |  |  | Yes | No | $9846.00 | $11923.32 |  | 7.307% | $2462.46 | $2462.46 | 6.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $13720.39 | 1 | $10666.56 | $967.20 | $888.88 | $80.60 |  |  |  |  |  | 26.905% | 26.905% | 26.905% | 09/22/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | CMS | $9846.00 |  | 6.160% | $0.00 | 1.2 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 20.37 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 163 (redacted) |  | Non QM |  |  |  | Yes | No | $16390.00 | $12974.83 |  | 6.166% | $4196.40 | $4196.40 | 5.999% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18769.32 | 1 | $30597.24 | $2964.00 | $2549.77 | $247.00 |  |  |  |  |  | 27.337% | 27.337% | 27.337% | 10/16/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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 | [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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16390.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [redacted] | [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 | 151.18 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 164 (redacted) |  | Non QM |  |  |  | Yes | No | $5062.50 | $8594.05 |  | 10.314% | $2301.69 | $2301.69 | 9.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3797.76 | 1 | $7730.64 | $3513.96 | $644.22 | $292.83 |  |  |  |  |  | 46.028% | 46.028% | 46.028% | 11/13/2025 | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS | $5062.50 |  | 6.310% | $0.00 |  |  |  |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | 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 | 37.39 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 165 (redacted) |  | Non QM |  |  |  | Yes | No | $14675.00 | $17367.12 |  | 7.199% | $3100.39 | $3100.39 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10307.83 | 1 | $6495.60 | $2672.04 | $541.30 | $222.67 |  |  |  |  |  | 42.315% | 42.315% | 42.315% | 10/14/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14675.00 |  | 6.230% | $0.00 | 1.5 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.72 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 166 (redacted) |  | Non QM |  |  |  | Yes | No | $14075.20 | $18931.72 |  | 6.756% | $3842.57 | $3842.57 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12770.80 | 1 | $10606.56 | $2834.04 | $883.88 | $236.17 |  |  |  |  |  | 39.932% | 39.932% | 39.932% | 09/02/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [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 | [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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14075.20 |  | 6.260% | $0.00 | 2.2 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 17.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 167 (redacted) |  | Non QM |  |  |  | Yes | No | $18442.42 | $23444.82 |  | 6.624% | $4939.53 | $4939.53 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12338.53 | 1 | $13697.28 | $2516.04 | $1141.44 | $209.67 |  |  |  |  |  | 42.623% | 42.623% | 42.623% | 09/15/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18442.42 |  | 6.260% | $0.00 | 1.3 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 168 (redacted) |  | Non QM |  |  |  | Yes | No | $22595.00 | $24431.94 |  | 7.583% | $5184.02 | $5184.02 | 7.249% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12820.97 | 2 | $6317.16 | $1758.96 | $526.43 | $146.58 |  |  |  |  |  | 32.164% | 32.164% | 32.164% | 09/24/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22595.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 7.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 26.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 169 (redacted) |  | N/A |  |  |  | No | No | $94677.45 | $50844.54 |  | 6.641% | $10199.20 | $10199.20 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40964.79 | 1 | $25737.36 | $7263.96 | $2144.78 | $605.33 |  |  |  |  |  | 38.024% | 38.024% | 38.024% | 09/03/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $94677.45 |  | 6.290% | $0.00 | 1.2 |  |  |  | No | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.95 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 170 (redacted) |  | Non QM |  |  |  | Yes | No | $11805.38 | $16314.85 |  | 6.277% | $2900.01 | $2900.01 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7514.39 | 1 | $15387.00 | $1253.04 | $1282.25 | $104.42 |  |  |  |  |  | 36.881% | 36.881% | 36.881% | 10/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11805.38 |  | 6.230% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 34.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 171 (redacted) |  | Non QM |  |  |  | Yes | No | $7248.60 | $10731.49 |  | 6.355% | $1582.64 | $1582.64 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6365.07 | 1 | $5200.32 | $1648.44 | $433.36 | $137.37 |  |  |  |  |  | 25.279% | 25.279% | 25.279% | 11/04/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7248.60 |  | 6.190% | $3000.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 61.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 172 (redacted) |  | Non QM |  |  |  | Yes | No | $14044.80 | $17115.35 |  | 10.417% | $3682.70 | $3682.70 | 9.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26527.91 | 1 | $2706.24 | $1131.96 | $225.52 | $94.33 |  |  |  |  |  | 37.660% | 37.660% | 37.660% | 10/06/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14044.80 |  | 6.260% | $25000.00 | 1 |  |  |  | Yes | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.95 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 173 (redacted) |  | Non QM |  |  |  | Yes | No | $7715.00 | $9442.47 |  | 7.398% | $4243.14 | $4243.14 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6507.70 | 1 | $5279.28 | $1398.96 | $439.94 | $116.58 |  |  |  |  |  | 49.230% | 49.230% | 49.230% | 10/16/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  | CMS | $7715.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 7.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.01 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 174 (redacted) |  | Non QM |  |  |  | Yes | No | $5736.60 | $7173.60 |  | 9.842% | $1152.39 | $1152.39 | 9.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2450.99 | 1 | $967.68 | $1799.04 | $80.64 | $149.92 |  |  |  |  |  | 50.030% | 50.030% | 50.030% | 10/16/2025 | 618 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $5736.60 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 9.374% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.29 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 175 (redacted) |  | Non QM |  |  |  | Yes | No | $6704.89 | $8231.11 |  | 10.496% | $1301.08 | $1344.29 | 10.136% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6874.13 | 1 | $1292.16 | $1067.04 | $107.68 | $88.92 |  |  |  |  |  | 32.560% | 32.136% | 32.560% | 11/03/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6704.89 |  | 6.200% | $0.00 | 1.1 |  |  |  | Yes | No | 10.136% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 34 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | 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 | 22.93 |  |  | No |  |  |  | $0.00 | $4040.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 176 (redacted) |  | Non QM |  |  |  | Yes | No | $4083.54 | $5432.42 |  | 10.801% | $1085.96 | $1085.96 | 10.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3506.22 | 1 | $2543.64 | $4750.20 | $211.97 | $395.85 |  |  |  |  |  | 32.573% | 32.573% | 32.573% | 10/14/2025 | 602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 | 0 |  |  | CMS | $4083.54 |  | 6.260% | $0.00 | 2.5 |  |  |  | N/A | No | 10.374% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 177 (redacted) |  | Non QM |  |  |  | Yes | No | $24780.00 | $34228.74 |  | 6.666% | $8123.75 | $11182.71 | 6.499% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47955.59 | 1 | $48750.00 | $2117.04 | $4062.50 | $176.42 |  |  |  |  |  | 30.431% | 25.993% | 30.431% | 10/28/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $24780.00 |  | 6.230% | $1000000.00 |  |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  | 240 | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 280.8 |  | Yes | No |  |  |  | $68932.30 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 |
| (redacted) | 178 (redacted) |  | Non QM |  |  |  | Yes | No | $18504.38 | $23337.18 |  | 6.825% | $3863.11 | $3863.11 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14351.47 | 1 | $19429.44 | $3951.00 | $1619.12 | $329.25 |  |  |  |  |  | 38.603% | 38.603% | 38.603% | 09/09/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18504.38 |  | 6.260% | $0.00 | 1 |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.720% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.4 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 179 (redacted) |  | Non QM |  |  |  | Yes | No | $18735.00 | $23147.85 |  | 6.441% | $2877.53 | $2877.53 | 5.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $13600.57 | 1 | $8402.16 | $3996.72 | $700.18 | $333.06 |  |  |  |  |  | 26.911% | 26.911% | 26.911% | 10/10/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18735.00 |  | 6.290% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 183.59 |  |  | No |  |  |  | $9304.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 180 (redacted) |  | Non QM |  |  |  | Yes | No | $4427.80 | $5140.90 |  | 8.980% | $860.39 | $860.39 | 8.490% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5690.98 | 1 | $5413.92 | $2612.04 | $451.16 | $217.67 |  |  |  |  |  | 27.515% | 27.515% | 27.515% | 10/30/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4427.80 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 8.490% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 36 |  |  |  | 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 | 32.83 |  |  | No |  |  |  | $1263.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 181 (redacted) |  | Non QM |  |  |  | Yes | No | $5762.40 | $6825.90 |  | 8.988% | $1524.33 | $1524.33 | 8.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3091.86 | 1 | $3225.48 | $3648.96 | $268.79 | $304.08 |  |  |  |  |  | 40.416% | 40.416% | 40.416% | 08/15/2025 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.70000% \| 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: 31.70000% \| 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: 31.70000% \| 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: 31.70000% \| 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: 31.70000% \| 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: 31.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5762.40 |  | 6.190% | $0.00 | 1 |  |  |  | No | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.54 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 182 (redacted) |  | Non QM |  |  |  | Yes | No | $9151.25 | $12679.62 |  | 6.957% | $2088.80 | $2088.80 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6549.86 | 1 | $9109.08 | $2463.00 | $759.09 | $205.25 |  |  |  |  |  | 39.516% | 39.516% | 39.516% | 10/21/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9151.25 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.77 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 183 (redacted) |  | Non QM |  |  |  | Yes | No | $12087.80 | $14116.24 |  | 8.363% | $2770.41 | $2770.41 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12403.65 | 1 | $10485.24 | $3122.04 | $873.77 | $260.17 |  |  |  |  |  | 24.917% | 24.917% | 24.917% | 11/03/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12087.80 |  | 6.220% | $0.00 | 1.2 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.83 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 184 (redacted) |  | Non QM |  |  |  | Yes | No | $11890.92 | $14814.74 |  | 10.435% | $3040.86 | $3040.86 | 9.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8023.52 | 1 | $3251.16 | $3320.04 | $270.93 | $276.67 |  |  |  |  |  | 32.016% | 32.016% | 32.016% | 10/09/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11890.92 |  | 6.260% | $55000.00 | 1 |  |  |  | Yes | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 3.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.75 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 185 (redacted) |  | Non QM |  |  |  | Yes | No | $19319.00 | $22598.20 |  | 7.201% | $6380.46 | $6380.46 | 6.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23451.32 | 1 | $14784.00 | $1029.96 | $1232.00 | $85.83 |  |  |  |  |  | 46.397% | 46.397% | 46.397% | 10/20/2025 | 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]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19319.00 |  | 6.220% | $0.00 | 1.6 |  |  |  | No | No | 6.990% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 55.630% | 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 |  |  |  |  |  |  |  |  |  |  |  | 46.87 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 186 (redacted) |  | Non QM |  |  |  | Yes | No | $6435.00 | $7664.74 |  | 8.150% | $1249.30 | $1249.30 | 7.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3860.41 | 1 | $2359.44 | $1769.04 | $196.62 | $147.42 |  |  |  |  |  | 30.415% | 30.415% | 30.415% | 09/09/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6435.00 |  | 6.160% | $5900.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.59 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 187 (redacted) |  | Non QM |  |  |  | Yes | No | $11526.25 | $14540.45 |  | 7.247% | $2348.28 | $2348.28 | 6.874% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12107.14 | 1 | $7017.96 | $8358.00 | $584.83 | $696.50 |  |  |  |  |  | 37.793% | 37.793% | 37.793% | 10/14/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11526.25 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [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 | 247.2 |  | No | No |  |  |  | $19462.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 188 (redacted) |  | Non QM |  |  |  | Yes | No | $5745.00 | $9057.65 |  | 8.054% | $1433.14 | $1433.14 | 7.624% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6323.56 | 1 | $3367.44 | $2569.20 | $280.62 | $214.10 |  |  |  |  |  | 31.729% | 31.729% | 31.729% | 09/19/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5745.00 |  | 6.230% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 6.68 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 189 (redacted) |  | Non QM |  |  |  | Yes | No | $1395.00 | $2721.18 |  | 9.407% | $1233.90 | $1233.90 | 9.249% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2374.94 | 1 | $2558.52 | $1451.04 | $213.21 | $120.92 |  |  |  |  |  | 44.212% | 44.212% | 44.212% | 11/06/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $1395.00 |  | 6.260% | $0.00 | 2.3 |  |  |  | No | No | 9.249% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.38 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 190 (redacted) |  | Non QM |  |  |  | Yes | No | $12727.75 | $12784.14 |  | 9.449% | $2351.42 | $2351.42 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46253.31 | 1 | $5098.68 | $2929.80 | $424.89 | $244.15 |  |  |  |  |  | 12.838% | 12.838% | 12.838% | 11/05/2025 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [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 |  |  | CMS | $12727.75 |  | 6.190% | $0.00 | 1.2 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.08 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 191 (redacted) |  | Non QM |  |  |  | Yes | No | $5407.80 | $10511.22 |  | 6.253% | $4028.03 | $4028.03 | 6.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13042.72 | 1 | $12750.00 | $3504.00 | $1062.50 | $292.00 |  |  |  |  |  | 33.232% | 33.232% | 33.232% | 11/04/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5407.80 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 6.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 23.440% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.88 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 192 (redacted) |  | Non QM |  |  |  | Yes | No | $11719.00 | $14057.40 |  | 7.237% | $2322.66 | $2322.66 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45113.25 | 1 | $5576.64 | $3222.00 | $464.72 | $268.50 |  |  |  |  |  | 16.925% | 16.925% | 16.925% | 11/06/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 - 2016 | [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 |  |  | CMS | $11719.00 |  | 6.190% | $10000.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 32.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.27 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 193 (redacted) |  | Non QM |  |  |  | Yes | No | $14276.25 | $16684.40 |  | 7.213% | $3005.14 | $3005.14 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12530.16 | 1 | $5054.64 | $7441.68 | $421.22 | $620.14 |  |  |  |  |  | 28.664% | 28.664% | 28.664% | 11/06/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<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 - 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 |  |  | CMS | $14276.25 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.27 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 194 (redacted) |  | Non QM |  |  |  | Yes | No | $21458.75 | $24550.45 |  | 6.632% | $3540.00 | $3540.00 | 6.249% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11644.59 | 1 | $8064.72 | $9417.24 | $672.06 | $784.77 |  |  |  |  |  | 34.183% | 34.183% | 34.183% | 08/30/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 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> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [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]; 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 |  |  | CMS | $21458.75 |  | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 9.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 11.51 |  |  | No |  |  |  | $10311.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 195 (redacted) |  | Non QM |  |  |  | Yes | No | $15800.00 | $18798.82 |  | 7.251% | $4200.47 | $4200.47 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9787.32 | 2 | $9162.60 | $1533.96 | $763.55 | $127.83 |  |  |  |  |  | 38.984% | 38.984% | 38.984% | 09/12/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15800.00 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 16.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.13 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 196 (redacted) |  | Non QM |  |  |  | Yes | No | $17171.50 | $21144.10 |  | 7.185% | $4006.86 | $4006.86 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7407.01 | 1 | $6153.72 | $1578.00 | $512.81 | $131.50 |  |  |  |  |  | 42.551% | 42.551% | 42.551% | 10/21/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17171.50 |  | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 27.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.06 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 197 (redacted) |  | Non QM |  |  |  | Yes | No | $23000.00 | $29616.20 |  | 6.715% | $7268.03 | $7268.03 | 6.499% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15697.49 | 1 | $14663.64 | $4539.96 | $1221.97 | $378.33 |  |  |  |  |  | 42.612% | 42.612% | 42.612% | 09/03/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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> [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<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23000.00 |  | 6.230% | $0.00 |  |  |  |  | N/A | No | 6.499% | 2 | 2 | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.56 |  | No | No |  |  |  | $0.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 198 (redacted) |  | Non QM |  |  |  | Yes | No | $26165.00 | $30880.10 |  | 7.301% | $6034.85 | $6034.85 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13935.63 | 2 | $7664.28 | $1779.96 | $638.69 | $148.33 |  |  |  |  |  | 42.553% | 42.553% | 42.553% | 09/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 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]; 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]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $26165.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 6.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.610% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 199 (redacted) |  | Non QM |  |  |  | Yes | No | $22828.13 | $26160.58 |  | 6.369% | $3821.72 | $3821.72 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8877.01 | 1 | $13265.28 | $1713.00 | $1105.44 | $142.75 |  |  |  |  |  | 44.386% | 44.386% | 44.386% | 12/03/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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 - 2021<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<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [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 |  |  | CMS | $22828.13 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 27.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.61 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 200 (redacted) |  | Non QM |  |  |  | Yes | No | $24566.65 | $23927.57 |  | 6.139% | $9985.64 | $9985.64 | 5.999% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27966.59 | 1 | $46857.00 | $6777.00 | $3904.75 | $564.75 |  |  |  |  |  | 47.719% | 47.719% | 47.719% | 10/07/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $24566.65 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [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 | 231.02 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 201 (redacted) |  | Non QM |  |  |  | Yes | No | $7955.00 | $9456.66 |  | 8.299% | $1624.00 | $1624.00 | 7.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3967.17 | 1 | $4728.84 | $1906.08 | $394.07 | $158.84 |  |  |  |  |  | 44.015% | 44.015% | 44.015% | 09/12/2025 | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | CMS | $7955.00 |  | 6.290% | $0.00 | 1 |  |  |  | No | No | 7.874% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 9.5 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 202 (redacted) |  | Non QM |  |  |  | Yes | No | $7899.00 | $9025.76 |  | 6.199% | $2158.15 | $2158.15 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3511.42 | 1 | $1716.36 | $2205.00 | $143.03 | $183.75 |  |  |  |  |  | 49.961% | 49.961% | 49.961% | 11/05/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7899.00 |  | 6.230% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 203 (redacted) |  | Non QM |  |  |  | Yes | No | $16132.50 | $22852.99 |  | 6.136% | $6354.16 | $6354.16 | 5.999% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9450.47 | 1 | $22164.96 | $1103.16 | $1847.08 | $91.93 |  |  |  |  |  | 48.568% | 48.568% | 48.568% | 11/04/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 18.00000% \| 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: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 18.00000% \| 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: 75.00% \| Expense Ratio: 18.00000% \| 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: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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 - 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 |  |  | CMS | $16132.50 |  | 6.190% | $0.00 | 1.4 |  |  |  | Yes | No | 5.999% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 48 |  |  | 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 | 19.76 |  |  | No |  |  |  | $0.00 | $4008.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 204 (redacted) |  | Non QM |  |  |  | Yes | No | $15695.00 | $18627.41 |  | 7.161% | $3941.17 | $3941.17 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6040.22 | 1 | $13603.68 | $3002.04 | $1133.64 | $250.17 |  |  |  |  |  | 47.294% | 47.294% | 47.294% | 09/22/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15695.00 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 28.86 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 205 (redacted) |  | Non QM |  |  |  | Yes | No | $12972.00 | $18162.77 |  | 9.998% | $5535.92 | $5535.92 | 9.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11727.08 | 1 | $9768.00 | $1470.96 | $814.00 | $122.58 |  |  |  |  |  | 36.657% | 36.657% | 36.657% | 11/06/2025 | 601 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $12972.00 |  | 6.260% | $0.00 | 1 |  |  |  | Yes | No | 9.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 7.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 206 (redacted) |  | Non QM |  |  |  | Yes | No | $23680.46 | $28372.06 |  | 7.236% | $6672.42 | $6672.42 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10545.15 | 2 | $8774.16 | $1478.04 | $731.18 | $123.17 |  |  |  |  |  | 42.183% | 42.183% | 42.183% | 11/05/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23680.46 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 10.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 207 (redacted) |  | Non QM |  |  |  | Yes | No | $23168.40 | $31453.24 |  | 6.568% | $3093.35 | $3093.35 | 5.999% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $11328.95 | 1 | $8959.44 | $4471.92 | $746.62 | $372.66 |  |  |  |  |  | 35.326% | 35.326% | 35.326% | 11/17/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23168.40 |  | 6.190% | $4305.00 | 1.1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.83 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 25.070% | 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 |  |  |  |  | 12.06 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | 360 |
| (redacted) | 208 (redacted) |  | Non QM |  |  |  | Yes | No | $440.00 | $1383.83 |  | 8.366% | $751.20 | $751.20 | 8.249% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1849.63 | 1 | $2048.40 | $1416.00 | $170.70 | $118.00 |  |  |  |  |  | 36.646% | 36.646% | 36.646% | 11/10/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $440.00 |  | 6.220% | $80000.00 | 1 |  |  |  | Yes | No | 8.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 45.760% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.45 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 209 (redacted) |  | Non QM |  |  |  | Yes | No | $3811.50 | $6313.80 |  | 6.806% | $842.14 | $842.14 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3564.02 | 1 | $2592.00 | $1642.56 | $216.00 | $136.88 |  |  |  |  |  | 42.255% | 42.255% | 42.255% | 10/28/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3811.50 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.09 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 210 (redacted) |  | Non QM |  |  |  | Yes | No | $17620.00 | $26463.40 |  | 6.373% | $8963.90 | $8963.90 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $573719.53 | 1 | $23066.16 | $11296.44 | $1922.18 | $941.37 |  |  |  |  |  | 6.017% | 6.017% | 6.017% | 09/19/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [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 |  |  | CMS | $17620.00 |  | 6.230% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.77 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 211 (redacted) |  | Non QM |  |  |  | Yes | No | $2235.00 | $2469.50 |  | 6.134% | $899.23 | $899.23 | 5.999% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8300.54 | 1 | $1395.96 | $2482.80 | $116.33 | $206.90 |  |  |  |  |  | 16.995% | 16.995% | 16.995% | 11/20/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2235.00 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | Yes | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 212 (redacted) |  | Non QM |  |  |  | Yes | No | $18500.00 | $21701.96 |  | 6.196% | $5545.25 | $5545.25 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12644.94 | 1 | $12992.40 | $8591.52 | $1082.70 | $715.96 |  |  |  |  |  | 37.279% | 37.279% | 37.279% | 11/24/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | CMS | $18500.00 |  | 6.190% | $0.00 | 1.7 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 44.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.9 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 213 (redacted) |  | Non QM |  |  |  | Yes | No | $11320.00 | $18725.16 |  | 6.209% | $4616.04 | $4616.04 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28902.33 | 1 | $17124.96 | $3491.64 | $1427.08 | $290.97 |  |  |  |  |  | 19.554% | 19.554% | 19.554% | 11/28/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | CMS | $11320.00 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.46 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 214 (redacted) |  | Non QM |  |  |  | Yes | No | $15665.00 | $18817.90 |  | 7.231% | $3336.86 | $3336.86 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6210.79 | 1 | $9299.16 | $1009.08 | $774.93 | $84.09 |  |  |  |  |  | 40.678% | 40.678% | 40.678% | 11/17/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15665.00 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.170% | 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 |  |  |  |  | 9.68 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 215 (redacted) |  | Non QM |  |  |  | Yes | No | $22387.38 | $17808.96 |  | 8.379% | $3463.74 | $3463.74 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7630.07 | 1 | $6562.56 | $2418.96 | $546.88 | $201.58 |  |  |  |  |  | 36.581% | 36.581% | 36.581% | 10/23/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22387.38 |  | 6.260% | $25000.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 26.710% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.39 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 216 (redacted) |  | Non QM |  |  |  | Yes | No | $13125.00 | $22482.02 |  | 6.049% | $17497.08 | $25073.07 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $371790.02 | 1 | $19975.08 | $8837.04 | $1664.59 | $736.42 |  |  |  |  |  | 9.911% | 8.075% | 9.911% | 10/30/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13125.00 |  | 6.230% | $0.00 | 3 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [redacted] | [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 | 14.56 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 |
| (redacted) | 217 (redacted) |  | Non QM |  |  |  | Yes | No | $10050.00 | $12818.14 |  | 9.550% | $5361.82 | $5361.82 | 9.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23867.53 | 1 | $7088.52 | $6618.12 | $590.71 | $551.51 |  |  |  |  |  | 32.654% | 32.654% | 32.654% | 10/01/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10050.00 |  | 6.220% | $0.00 |  |  |  |  | No | No | 9.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.80 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 20.61 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 480 |
| (redacted) | 218 (redacted) |  | Non QM |  |  |  | Yes | No | $5577.06 | $6618.86 |  | 9.349% | $1203.30 | $1203.30 | 8.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4253.15 | 1 | $3249.60 | $2816.04 | $270.80 | $234.67 |  |  |  |  |  | 42.181% | 42.181% | 42.181% | 10/28/2025 | 613 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  | CMS | $5577.06 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 8.874% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 219 (redacted) |  | Non QM |  |  |  | Yes | No | $10856.67 | $14699.18 |  | 7.456% | $2128.15 | $2128.15 | 6.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $39018.21 | 1 | $5075.04 | $1751.40 | $422.92 | $145.95 |  |  |  |  |  | 24.340% | 24.340% | 24.340% | 09/15/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| 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: 65.00000% \| 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: 65.00000% \| 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: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| 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: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | CMS | $10856.67 |  | 6.220% | $0.00 | 2.6 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 96.65 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 5 | 360 |
| (redacted) | 220 (redacted) |  | Non QM |  |  |  | Yes | No | $9662.50 | $10984.20 |  | 8.654% | $3135.01 | $3135.01 | 8.374% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7567.19 | 1 | $6875.04 | $3360.24 | $572.92 | $280.02 |  |  |  |  |  | 39.381% | 39.381% | 39.381% | 10/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # 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 |  |  | CMS | $9662.50 |  | 6.170% | $0.00 | 1.7 |  |  |  | N/A | No | 8.374% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 9.280% | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.71 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 221 (redacted) |  | Non QM |  |  |  | Yes | No | $6727.50 | $8213.53 |  | 7.057% | $1171.65 | $1171.65 | 6.624% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16913.55 | 1 | $5953.68 | $3163.08 | $496.14 | $263.59 |  |  |  |  |  | 44.979% | 44.979% | 44.979% | 10/23/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<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]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6727.50 |  | 6.220% | $0.00 | 1.8 |  |  |  | No | No | 6.624% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 56.24 |  | No | No |  |  |  | $15281.17 | $8090.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 222 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $2757.37 |  | 9.627% | $1848.27 | $1848.27 | 9.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3224.79 | 1 | $3330.48 | $2067.96 | $277.54 | $172.33 |  |  |  |  |  | 45.184% | 45.184% | 45.184% | 12/01/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 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> [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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1895.00 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 9.490% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.95 |  |  | No |  |  |  | $0.00 | $5882.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 223 (redacted) |  | Non QM |  |  |  | Yes | No | $22045.00 | $24142.74 |  | 7.707% | $5110.49 | $5110.49 | 7.374% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18441.87 | 2 | $6666.00 | $2100.96 | $555.50 | $175.08 |  |  |  |  |  | 26.067% | 26.067% | 26.067% | 09/19/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22045.00 |  | 6.160% | $30000.00 |  |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 27.710% | 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 |  |  |  |  | 6.45 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 224 (redacted) |  | Non QM |  |  |  | Yes | No | $8420.75 | $9444.07 |  | 8.272% | $1378.96 | $1378.96 | 7.749% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10600.16 | 1 | $5098.08 | $3987.60 | $424.84 | $332.30 |  |  |  |  |  | 34.359% | 34.359% | 34.359% | 12/04/2025 | 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]; 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> [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]; 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]; 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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8420.75 |  | 6.220% | $0.00 | 2 |  |  |  | Yes | No | 7.749% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 23.6 |  |  | No |  |  |  | $0.00 | $7337.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 225 (redacted) |  | Non QM |  |  |  | Yes | No | $11759.90 | $4900.82 |  | 8.382% | $2298.66 | $2298.66 | 8.249% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Mexico | Mexico |  |  | $6634.54 | 1 | $926.64 | $1848.72 | $77.22 | $154.06 |  |  |  |  |  | 28.275% | 28.275% | 28.275% | 10/28/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 - 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 |  |  | CMS | $11759.90 |  | 6.170% | $0.00 | 1.5 |  |  |  | Yes | No | 8.249% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 |  |  |  |  |  |  | Passport | Passport |  |  | No | 21.92 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| (redacted) | 226 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $3287.50 |  | 9.070% | $2757.39 | $2757.39 | 8.990% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5123.41 | 1 | $574.68 | $582.24 | $47.89 | $48.52 |  |  |  |  |  | 48.675% | 48.675% | 48.675% | 10/27/2025 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1895.00 |  | 6.220% | $0.00 | 1.9 |  |  |  | No | No | 8.990% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 12.06 |  |  | No |  |  |  | $2605.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 227 (redacted) |  | Non QM |  |  |  | Yes | No | $10027.60 | $11442.48 |  | 7.772% | $3896.76 | $3896.76 | 7.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9071.08 | 1 | $2769.60 | $6144.96 | $230.80 | $512.08 |  |  |  |  |  | 44.782% | 44.782% | 44.782% | 09/25/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # 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 |  |  | CMS | $10027.60 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.19 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 228 (redacted) |  | Non QM |  |  |  | Yes | No | $1695.00 | $5250.38 |  | 7.932% | $4448.60 | $4448.60 | 7.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10586.26 | 1 | $7182.00 | $3213.96 | $598.50 | $267.83 |  |  |  |  |  | 43.050% | 43.050% | 43.050% | 11/19/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1695.00 |  | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.17 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 229 (redacted) |  | Non QM |  |  |  | Yes | No | $6210.00 | $1761.26 |  | 7.953% | $1555.12 | $1555.12 | 7.874% | No | Yes | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6174.30 | 1 | $6624.84 | $2786.04 | $552.07 | $232.17 |  |  |  |  |  | 43.313% | 43.313% | 43.313% | 10/07/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $6210.00 |  | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 21.16 |  | No | No |  |  |  | $3058.60 | $7833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 230 (redacted) |  | Non QM |  |  |  | Yes | No | $30316.60 | $32591.25 |  | 7.431% | $7167.65 | $7167.65 | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23482.50 | 1 | $15452.64 | $3123.96 | $1287.72 | $260.33 |  |  |  |  |  | 30.319% | 30.319% | 30.319% | 10/20/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $30316.60 |  | 6.230% | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 0.42 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 231 (redacted) |  | Non QM |  |  |  | Yes | No | $10915.00 | $12959.10 |  | 6.169% | $3025.79 | $3025.79 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4052.57 | 1 | $12989.04 | $2324.04 | $1082.42 | $193.67 |  |  |  |  |  | 51.543% | 51.543% | 51.543% | 11/14/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; P&L Statement - 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]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10915.00 |  | 6.190% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 11.07 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 19.82 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 232 (redacted) |  | Non QM |  |  |  | Yes | No | $11892.75 | $13596.04 |  | 6.148% | $4705.97 | $4705.97 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $67879.96 | 1 | $10030.56 | $1520.16 | $835.88 | $126.68 |  |  |  |  |  | 9.523% | 9.523% | 9.523% | 10/01/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11892.75 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.72 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 233 (redacted) |  | Non QM |  |  |  | Yes | No | $13238.55 | $16303.03 |  | 7.507% | $4123.35 | $4123.35 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20753.31 | 1 | $14025.12 | $1782.96 | $1168.76 | $148.58 |  |  |  |  |  | 28.100% | 28.100% | 28.100% | 10/02/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 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]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13238.55 |  | 6.270% | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.55 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 234 (redacted) |  | Non QM |  |  |  | Yes | No | $43814.88 | $49914.22 |  | 6.434% | $6575.61 | $6575.61 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16218.04 | 1 | $24868.08 | $2655.48 | $2072.34 | $221.29 |  |  |  |  |  | 44.415% | 44.415% | 44.415% | 10/20/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $43814.88 |  | 6.230% | $0.00 | 2.6 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.06 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 235 (redacted) |  | Non QM |  |  |  | Yes | No | $10746.00 | $12260.35 |  | 7.273% | $2743.60 | $2743.60 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6528.30 | 1 | $10370.16 | $1452.00 | $864.18 | $121.00 |  |  |  |  |  | 43.326% | 43.326% | 43.326% | 10/22/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10746.00 |  | 6.220% | $16000.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 13.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 236 (redacted) |  | Non QM |  |  |  | Yes | No | $19031.00 | $20891.80 |  | 6.206% | $4208.60 | $4208.60 | 5.999% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12508.71 | 1 | $5677.92 | $4878.00 | $473.16 | $406.50 |  |  |  |  |  | 47.897% | 47.897% | 47.897% | 11/07/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% |  | 100.000% |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance 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]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2001<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 - 2001 | [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 |  |  | CMS | $19031.00 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 6.81 |  | No | No |  |  |  | $21025.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 480 |
| (redacted) | 237 (redacted) |  | Non QM |  |  |  | Yes | No | $13995.80 | $17332.57 |  | 6.779% | $6351.23 | $6351.23 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16536.76 | 1 | $7887.72 | $3842.88 | $657.31 | $320.24 |  |  |  |  |  | 44.593% | 44.593% | 44.593% | 11/07/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Other - 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13995.80 |  | 6.190% | $0.00 | 1.6 |  |  |  | Yes | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 23.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 68.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.6 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 238 (redacted) |  | Non QM |  |  |  | Yes | No | $21295.00 | $25591.28 |  | 6.209% | $15005.78 | $15005.78 | 6.124% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57013.29 | 1 | $46989.48 | $7238.40 | $3915.79 | $603.20 |  |  |  |  |  | 38.919% | 38.919% | 38.919% | 10/24/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21295.00 |  | 6.230% | $0.00 | 4.1 |  |  |  | N/A | No | 6.124% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 20.22 |  | No | No |  |  |  | $93340.69 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 239 (redacted) |  | Non QM |  |  |  | Yes | No | $17295.00 | $27485.06 |  | 6.958% | $4993.91 | $4993.91 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32701.94 | 1 | $12187.56 | $1725.96 | $1015.63 | $143.83 |  |  |  |  |  | 19.187% | 19.187% | 19.187% | 11/21/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17295.00 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.33 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 240 (redacted) |  | Non QM |  |  |  | Yes | No | $1695.00 | $3403.92 |  | 6.028% | $5994.86 | $5994.86 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13293.80 | 1 | $11294.16 | $1115.88 | $941.18 | $92.99 |  |  |  |  |  | 36.438% | 36.438% | 36.438% | 12/02/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2006 | [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 |  |  | CMS | $1695.00 |  | 6.220% | $0.00 | 1 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 60.29 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 241 (redacted) |  | N/A |  |  |  | No | No | $31921.18 | $19714.32 |  | 7.008% | $4243.99 | $4243.99 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $122245.20 | 1 | $10224.96 | $1944.96 | $852.08 | $162.08 |  |  |  |  |  | 35.972% | 35.972% | 35.972% | 12/01/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $31921.18 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.03 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| (redacted) | 242 (redacted) |  | N/A |  |  |  | No | No | $19885.83 | $12093.78 |  | 6.677% | $2409.44 | $2409.44 | 6.374% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14573.03 | 1 | $6200.04 | $1986.00 | $516.67 | $165.50 |  |  |  |  |  | 37.807% | 37.807% | 37.807% | 12/04/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Account Statements - Business - 2024<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 - 2015<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2015 | [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 |  |  | CMS | $19885.83 |  | 6.270% | $0.00 | 1.8 |  |  |  | Yes | No | 6.374% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 35.350% | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.72 |  | No | No |  |  |  | $10719.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 243 (redacted) |  | N/A |  |  |  | No | No | $29211.83 | $15852.80 |  | 6.399% | $4875.97 | $4875.97 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18860.81 | 1 | $23010.72 | $3985.80 | $1917.56 | $332.15 |  |  |  |  |  | 36.532% | 36.532% | 36.532% | 11/18/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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]; 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<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $29211.83 |  | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 25.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.35 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 244 (redacted) |  | N/A |  |  |  | No | No | $17352.21 | $10931.82 |  | 7.216% | $1944.31 | $1944.31 | 6.874% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $62724.56 | 1 | $1924.08 | $504.96 | $160.34 | $42.08 |  |  |  |  |  | 22.710% | 22.710% | 22.710% | 11/19/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2026<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 - 2026<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 - 2026<br> [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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 4506-C - 2025<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 |  |  | CMS | $17352.21 |  | 6.250% | $14800.00 | 1 |  |  |  | No | No | 6.874% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 30.48 |  | Yes | No |  |  |  | $40577.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 245 (redacted) |  | Non QM |  |  |  | Yes | No | $2896.65 | $3735.84 |  | 8.847% | $615.60 | $615.60 | 8.374% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7803.12 | 1 | $1518.00 | $1737.96 | $126.50 | $144.83 |  |  |  |  |  | 20.869% | 20.869% | 20.869% | 11/19/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2896.65 |  | 6.180% | $0.00 | 3 |  |  |  | No | No | 8.374% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  | 35 |  |  | 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 | 53.24 |  |  | No |  |  |  | $0.00 | $4191.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 246 (redacted) |  | Non QM |  |  |  | Yes | No | $3035.00 | $3816.74 |  | 8.909% | $768.20 | $768.20 | 8.490% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1814.46 | 1 | $1706.28 | $1521.00 | $142.19 | $126.75 |  |  |  |  |  | 42.718% | 42.718% | 42.718% | 11/14/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - Annuity]; 1099 - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Annuity]; 1099 - 2023<br> [Borrower - \| Primary Income - Annuity]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $3035.00 |  | 6.270% | $0.00 | 1 |  |  |  | No | No | 8.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.66 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 247 (redacted) |  | Non QM |  |  |  | Yes | No | $25152.50 | $11905.71 |  | 6.943% | $3566.92 | $3566.92 | 6.749% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15587.23 | 1 | $10395.12 | $5693.04 | $866.26 | $474.42 |  |  |  |  |  | 29.310% | 29.310% | 29.310% | 10/07/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<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> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $25152.50 |  | 6.190% | $0.00 | 2.5 |  |  |  | No | No | 6.749% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 42.86 |  |  | No |  |  |  | $0.00 | $6373.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 248 (redacted) |  | Non QM |  |  |  | Yes | No | $21943.80 | $18530.42 |  | 6.357% | $2829.58 | $2829.58 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26930.46 | 1 | $9654.96 | $1631.52 | $804.58 | $135.96 |  |  |  |  |  | 16.572% | 16.572% | 16.572% | 01/05/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 90.00000% \| 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: 90.00000% \| 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: 90.00000% \| 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: 90.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [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 |  |  | CMS | $21943.80 |  | 6.250% | $29500.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 22.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.49 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 249 (redacted) |  | Non QM |  |  |  | Yes | No | $4375.00 | $1397.55 |  | 10.512% | $2284.98 | $2284.98 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5848.41 | 1 | $7294.32 | $5481.00 | $607.86 | $456.75 |  |  |  |  |  | 45.509% | 45.509% | 45.509% | 12/10/2025 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4375.00 |  | 6.170% | $0.00 | 1.5 |  |  |  | No | No | 10.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.5 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 250 (redacted) |  | Non QM |  |  |  | Yes | No | $11732.00 | $14183.80 |  | 8.858% | $1877.99 | $1877.99 | 8.249% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3896.26 | 1 | $5122.92 | $10665.00 | $426.91 | $888.75 |  |  |  |  |  | 45.757% | 45.757% | 45.757% | 09/23/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 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 - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11732.00 |  | 6.220% | $0.00 | 1.1 |  |  |  | No | No | 8.249% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 21.8 |  |  | No |  |  |  | $0.00 | $5138.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 251 (redacted) |  | Non QM |  |  |  | Yes | No | $19955.00 | $20522.40 |  | 7.447% | $4473.04 | $4473.04 | 7.124% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6318.02 | 1 | $10574.88 | $1341.00 | $881.24 | $111.75 |  |  |  |  |  | 46.881% | 46.881% | 46.881% | 12/16/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19955.00 |  | 6.230% | $0.00 | 1 |  |  |  | No | No | 7.124% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.630% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.82 |  | Yes | No |  |  |  | $5890.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 252 (redacted) |  | Non QM |  |  |  | Yes | No | $30454.32 | $35044.92 |  | 7.479% | $4559.37 | $4559.37 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14899.31 | 1 | $18625.80 | $3129.96 | $1552.15 | $260.83 |  |  |  |  |  | 43.661% | 43.661% | 43.661% | 11/04/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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 |  |  | CMS | $30454.32 |  | 6.260% | $0.00 | 2.7 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 41.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 253 (redacted) |  | Non QM |  |  |  | Yes | No | $16216.93 | $19310.59 |  | 9.115% | $2730.97 | $2730.97 | 8.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4906.74 | 1 | $4937.52 | $885.96 | $411.46 | $73.83 |  |  |  |  |  | 40.524% | 40.524% | 40.524% | 10/28/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16216.93 |  | 6.220% | $7000.00 | 1 |  |  |  | No | No | 8.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.35 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 254 (redacted) |  | Non QM |  |  |  | Yes | No | $10460.63 | $13037.39 |  | 7.257% | $2093.75 | $2093.75 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6402.04 | 1 | $7661.88 | $3753.96 | $638.49 | $312.83 |  |  |  |  |  | 33.048% | 33.048% | 33.048% | 11/21/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10460.63 |  | 6.190% | $15000.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.97 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 255 (redacted) |  | Non QM |  |  |  | Yes | No | $89195.00 | $108601.94 |  | 6.480% | $18226.25 | $25580.45 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $109347.67 | 1 | $34229.28 | $20164.20 | $2852.44 | $1680.35 |  |  |  |  |  | 39.141% | 35.048% | 39.141% | 12/19/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 1999 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $89195.00 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  | 240 | [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 | 16.59 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 240 |
| (redacted) | 256 (redacted) |  | Non QM |  |  |  | Yes | No | $3725.00 | $5398.02 |  | 10.863% | $1398.41 | $1398.41 | 10.490% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16900.78 | 1 | $985.68 | $4072.92 | $82.14 | $339.41 |  |  |  |  |  | 10.340% | 10.340% | 10.340% | 12/03/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3725.00 |  | 6.250% | $10200.00 | 2.5 |  |  |  | Yes | No | 10.490% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 69.760% | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.4 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 257 (redacted) |  | Non QM |  |  |  | Yes | No | $18211.80 | $21098.18 |  | 6.708% | $3692.92 | $3692.92 | 6.374% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8212.35 | 1 | $10952.76 | $2234.04 | $912.73 | $186.17 |  |  |  |  |  | 37.018% | 37.018% | 37.018% | 10/01/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18211.80 |  | 6.190% | $0.00 | 1 |  |  |  | No | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 10.230% | 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 |  |  |  |  | 6.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 258 (redacted) |  | Non QM |  |  |  | Yes | No | $20777.00 | $15109.78 |  | 7.215% | $3854.86 | $3854.86 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7839.26 | 1 | $5904.60 | $1365.96 | $492.05 | $113.83 |  |  |  |  |  | 40.612% | 40.612% | 40.612% | 10/31/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20777.00 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.07 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 259 (redacted) |  | Non QM |  |  |  | Yes | No | $22069.20 | $11568.02 |  | 7.038% | $4552.05 | $4552.05 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11765.83 | 1 | $16667.52 | $3338.04 | $1388.96 | $278.17 |  |  |  |  |  | 38.399% | 38.399% | 38.399% | 10/20/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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 | [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) | 1yr P&L w/o Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22069.20 |  | 6.270% | $0.00 | 1 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 4.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.33 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 260 (redacted) |  | Non QM |  |  |  | Yes | No | $5835.50 | $6584.28 |  | 6.320% | $1091.06 | $1091.06 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4799.97 | 1 | $4497.24 | $1248.00 | $374.77 | $104.00 |  |  |  |  |  | 24.940% | 24.940% | 24.940% | 12/08/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5835.50 |  | 6.250% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 34.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 261 (redacted) |  | Non QM |  |  |  | Yes | No | $10051.06 | $15664.72 |  | 6.310% | $2840.97 | $2840.97 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8072.17 | 1 | $6118.32 | $2842.56 | $509.86 | $236.88 |  |  |  |  |  | 42.259% | 42.259% | 42.259% | 11/04/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | CMS | $10051.06 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.7 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 262 (redacted) |  | Non QM |  |  |  | Yes | No | $6223.53 | $7585.69 |  | 7.082% | $1384.62 | $1384.62 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3239.86 | 1 | $4395.24 | $813.96 | $366.27 | $67.83 |  |  |  |  |  | 38.095% | 38.095% | 38.095% | 10/06/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6223.53 |  | 6.270% | $0.00 | 1 |  |  |  | No | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 263 (redacted) |  | Non QM |  |  |  | Yes | No | $28145.00 | $32342.72 |  | 6.297% | $5874.97 | $5874.97 | 5.999% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19356.32 | 1 | $14222.52 | $2035.56 | $1185.21 | $169.63 |  |  |  |  |  | 35.059% | 35.059% | 35.059% | 11/06/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | CMS | $28145.00 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [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 | 252.55 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 264 (redacted) |  | Non QM |  |  |  | Yes | No | $5754.20 | $8261.88 |  | 6.460% | $3476.32 | $3476.32 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5865.34 | 1 | $11026.44 | $4011.00 | $918.87 | $334.25 |  |  |  |  |  | 48.764% | 48.764% | 48.764% | 12/09/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [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 |  |  | CMS | $5754.20 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.77 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 265 (redacted) |  | Non QM |  |  |  | Yes | No | $10556.86 | $8057.76 |  | 7.595% | $4426.93 | $4426.93 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $8127.30 | 1 | $10340.64 | $1425.00 | $861.72 | $118.75 |  |  |  |  |  | 45.752% | 45.752% | 45.752% | 10/28/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 39.00000% \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10556.86 |  | 6.310% | $0.00 | 1.6 |  |  |  | No | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 6.45 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 266 (redacted) |  | Non QM |  |  |  | Yes | No | $5015.00 | $14655.95 |  | 6.178% | $3980.59 | $3980.59 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15164.00 | 1 | $14299.08 | $1421.04 | $1191.59 | $118.42 |  |  |  |  |  | 39.402% | 39.402% | 39.402% | 10/14/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5015.00 |  | 6.250% | $0.00 | 1.6 |  |  |  | No | No | 5.999% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 17.060% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.44 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 267 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $16037.50 |  | 6.183% | $4914.29 | $4914.29 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14245.54 | 1 | $2132.04 | $11079.12 | $177.67 | $923.26 |  |  |  |  |  | 35.303% | 35.303% | 35.303% | 11/18/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [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 |  |  | CMS | $1895.00 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.39 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 268 (redacted) |  | Non QM |  |  |  | Yes | No | $14955.00 | $6212.75 |  | 6.516% | $6301.06 | $6301.06 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44084.61 | 1 | $17882.40 | $13691.04 | $1490.20 | $1140.92 |  |  |  |  |  | 23.284% | 23.284% | 23.284% | 11/18/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14955.00 |  | 6.250% | $0.00 | 2 |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 26.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 269 (redacted) |  | Non QM |  |  |  | Yes | No | $13695.00 | $15459.65 |  | 6.479% | $3693.91 | $3693.91 | 6.249% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37738.17 | 1 | $11411.76 | $1895.04 | $950.98 | $157.92 |  |  |  |  |  | 24.618% | 24.618% | 24.618% | 11/13/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13695.00 |  | 6.220% | $0.00 | 3.2 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [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 | 630.98 |  | No | No |  |  |  | $50062.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 270 (redacted) |  | Non QM |  |  |  | Yes | No | $11690.00 | $26261.82 |  | 6.555% | $6829.41 | $6829.41 | 6.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14210.26 | 1 | $11871.00 | $900.00 | $989.25 | $75.00 |  |  |  |  |  | 47.827% | 47.827% | 47.827% | 10/06/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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]; 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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11690.00 |  | 6.250% | $45870.00 | 1 |  |  |  | No | No | 6.374% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 63.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.37 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 271 (redacted) |  | Non QM |  |  |  | Yes | No | $18662.20 | $21164.82 |  | 6.299% | $4004.57 | $4004.57 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7889.26 | 1 | $6429.00 | $1589.04 | $535.75 | $132.42 |  |  |  |  |  | 37.545% | 37.545% | 37.545% | 10/15/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18662.20 |  | 6.270% | $0.00 | 1.8 |  |  |  | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.560% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.87 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 272 (redacted) |  | Non QM |  |  |  | Yes | No | $8795.00 | $9885.66 |  | 6.263% | $2128.18 | $2128.18 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7541.53 | 1 | $3650.52 | $2767.68 | $304.21 | $230.64 |  |  |  |  |  | 45.976% | 45.976% | 45.976% | 11/10/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8795.00 |  | 6.220% | $0.00 | 3.6 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 63.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 273 (redacted) |  | Non QM |  |  |  | Yes | No | $9415.00 | $14237.79 |  | 6.888% | $5006.66 | $5006.66 | 6.749% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15517.39 | 1 | $21251.04 | $3348.96 | $1770.92 | $279.08 |  |  |  |  |  | 36.532% | 36.532% | 36.532% | 10/28/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 39.00000% \| 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: 39.00000% \| 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: 39.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 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<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<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 | [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 |  |  | CMS | $9415.00 |  | 6.270% | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 14.260% | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.31 |  | No | No |  |  |  | $8532.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 274 (redacted) |  | Non QM |  |  |  | Yes | No | $4271.45 | $5594.65 |  | 7.126% | $1268.07 | $1268.07 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8680.66 | 1 | $2985.48 | $1565.04 | $248.79 | $130.42 |  |  |  |  |  | 30.627% | 30.627% | 30.627% | 11/21/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 | [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 |  |  | CMS | $4271.45 |  | 6.250% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 275 (redacted) |  | Non QM |  |  |  | Yes | No | $12075.00 | $21434.41 |  | 6.292% | $4148.44 | $4148.44 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22050.33 | 1 | $9808.08 | $2309.04 | $817.34 | $192.42 |  |  |  |  |  | 36.818% | 36.818% | 36.818% | 11/18/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $12075.00 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 11.79 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 276 (redacted) |  | N/A |  |  |  | No | No | $21771.86 | $8548.30 |  | 6.147% | $3207.25 | $3207.25 | 5.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $48263.01 | 1 | $4690.32 | $3654.96 | $390.86 | $304.58 |  |  |  |  |  | 21.703% | 21.703% | 21.703% |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; CPA Letter - 2026<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 - 2026<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 - 2026<br> [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]; 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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<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 | [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 |  |  | CMS | $21771.86 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 32.59 |  | No | No |  |  |  | $30820.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 277 (redacted) |  | N/A |  |  |  | No | No | $20773.13 | $5662.54 |  | 8.672% | $5395.42 | $5395.42 | 8.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $215651.99 | 2 | $14127.48 | $7955.04 | $1177.29 | $662.92 |  |  |  |  |  | 15.566% | 15.566% | 15.566% | 12/08/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20773.13 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.22 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 278 (redacted) |  | N/A |  |  |  | No | No | $20867.58 | $11113.06 |  | 7.249% | $2656.94 | $2656.94 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16319.57 | 1 | $2777.88 | $3053.04 | $231.49 | $254.42 |  |  |  |  |  | 24.534% | 24.534% | 24.534% | 10/29/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<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]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20867.58 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 279 (redacted) |  | N/A |  |  |  | No | No | $21924.14 | $11866.88 |  | 6.157% | $3381.10 | $3381.10 | 5.999% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28640.73 | 1 | $8257.56 | $1173.96 | $688.13 | $97.83 |  |  |  |  |  | 28.203% | 28.203% | 28.203% | 11/14/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21924.14 |  | 6.250% | $0.00 | 3.5 |  |  |  | No | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 618.86 |  | No | No |  |  |  | $39891.18 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 280 (redacted) |  | Non QM |  |  |  | Yes | No | $17679.38 | $21518.26 |  | 7.843% | $4060.20 | $4060.20 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13604.72 | 1 | $11499.96 | $2185.20 | $958.33 | $182.10 |  |  |  |  |  | 35.300% | 35.300% | 35.300% | 10/06/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17679.38 |  | 6.220% | $0.00 | 2.9 |  |  |  | No | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 103.91 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 281 (redacted) |  | Non QM |  |  |  | Yes | No | $13966.88 | $17290.48 |  | 6.864% | $2820.31 | $2820.31 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10286.04 | 1 | $9217.80 | $1883.04 | $768.15 | $156.92 |  |  |  |  |  | 32.322% | 32.322% | 32.322% | 09/22/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13966.88 |  | 6.250% | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 10.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.61 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 282 (redacted) |  | Non QM |  |  |  | Yes | No | $6803.80 | $4000.06 |  | 9.284% | $1181.74 | $1181.74 | 8.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12111.02 | 1 | $3600.00 | $2144.04 | $300.00 | $178.67 |  |  |  |  |  | 12.057% | 12.057% | 12.057% | 09/12/2025 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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]; 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 |  |  | CMS | $6803.80 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 8.990% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.2 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 283 (redacted) |  | Non QM |  |  |  | Yes | No | $19543.80 | $27536.70 |  | 7.464% | $3934.62 | $3934.62 | 6.990% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17417.25 | 1 | $14427.24 | $4569.12 | $1202.27 | $380.76 |  |  |  |  |  | 42.678% | 42.678% | 42.678% | 10/22/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19543.80 |  | 6.250% | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.600% | 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 |  |  |  |  | 8.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 284 (redacted) |  | Non QM |  |  |  | Yes | No | $3491.80 | $3335.10 |  | 9.693% | $1235.17 | $1235.17 | 9.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4139.29 | 1 | $1504.20 | $3539.76 | $125.35 | $294.98 |  |  |  |  |  | 31.568% | 31.568% | 31.568% | 12/02/2025 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3491.80 |  | 6.180% | $0.00 | 1 |  |  |  | Yes | No | 9.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 285 (redacted) |  | Non QM |  |  |  | Yes | No | $8142.61 | $3428.30 |  | 9.889% | $2059.22 | $2059.22 | 9.749% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $9313.07 | 1 | $4848.60 | $2212.56 | $404.05 | $184.38 |  |  |  |  |  | 27.107% | 27.107% | 27.107% | 11/28/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 | [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 |  |  | CMS | $8142.61 |  | 6.180% | $3000.00 | 2.1 |  |  |  | No | No | 9.749% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 2.330% | 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 |  |  |  |  | 20.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 286 (redacted) |  | Non QM |  |  |  | Yes | No | $6575.00 | $7873.80 |  | 10.954% | $1827.98 | $1827.98 | 10.490% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5697.03 | 1 | $6370.80 | $1437.00 | $530.90 | $119.75 |  |  |  |  |  | 42.770% | 42.770% | 42.770% | 12/09/2025 | 614 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<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]; 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> [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 |  |  | CMS | $6575.00 |  | 6.180% | $0.00 | 2.8 |  |  |  | No | No | 10.490% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 35 |  |  | 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 | 3.12 |  |  | No |  |  |  | $0.00 | $9954.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 287 (redacted) |  | Non QM |  |  |  | Yes | No | $4595.92 | $5543.57 |  | 9.700% | $2235.57 | $2235.57 | 9.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6792.47 | 1 | $4936.20 | $1899.00 | $411.35 | $158.25 |  |  |  |  |  | 42.655% | 42.655% | 42.655% | 12/16/2025 | 601 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<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 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $4595.92 |  | 6.180% | $0.00 | 1.9 |  |  |  | Yes | No | 9.490% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 288 (redacted) |  | Non QM |  |  |  | Yes | No | $7835.00 | $9432.07 |  | 6.762% | $1422.27 | $1422.27 | 6.374% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7497.60 | 1 | $6750.96 | $1641.96 | $562.58 | $136.83 |  |  |  |  |  | 22.379% | 22.379% | 22.379% | 12/17/2025 | 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]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<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 - 2026<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]; 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 |  |  | CMS | $7835.00 |  | 6.250% | $10000.00 | 1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 289 (redacted) |  | Non QM |  |  |  | Yes | No | $6641.65 | $9225.58 |  | 11.195% | $1394.98 | $1394.98 | 10.490% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3873.16 | 1 | $1377.24 | $3345.00 | $114.77 | $278.75 |  |  |  |  |  | 40.792% | 40.792% | 40.792% | 09/10/2025 | 610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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 - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6641.65 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 10.490% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 3.8 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 290 (redacted) |  | Non QM |  |  |  | Yes | No | $7458.46 | $8708.10 |  | 9.013% | $1208.35 | $1208.35 | 8.490% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4521.82 | 1 | $2724.00 | $1853.04 | $227.00 | $154.42 |  |  |  |  |  | 26.374% | 26.374% | 26.374% | 10/23/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $7458.46 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 3 | 2 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.2 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 291 (redacted) |  | Non QM |  |  |  | Yes | No | $18295.00 | $19996.40 |  | 7.914% | $2629.33 | $2629.33 | 7.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10048.91 | 1 | $3538.68 | $1866.00 | $294.89 | $155.50 |  |  |  |  |  | 46.011% | 46.011% | 46.011% | 11/19/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<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 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]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<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]; 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18295.00 |  | 6.270% | $0.00 | 2.8 |  |  |  | Yes | No | 7.490% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  |  |  |  |  | [redacted] | [redacted] |  | No | 35 | 35 |  |  | 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 | 7.03 |  |  | No |  |  |  | $0.00 | $8653.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 292 (redacted) |  | Non QM |  |  |  | Yes | No | $26401.98 | $29528.07 |  | 8.380% | $4406.19 | $4406.19 | 7.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20907.91 | 1 | $19487.28 | $2889.00 | $1623.94 | $240.75 |  |  |  |  |  | 40.715% | 40.715% | 40.715% | 01/16/2026 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $26401.98 |  | 6.250% | $20000.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.52 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 293 (redacted) |  | Non QM |  |  |  | Yes | No | $10579.00 | $12370.98 |  | 8.181% | $2005.76 | $2005.76 | 7.749% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5278.50 | 1 | $7302.60 | $1631.04 | $608.55 | $135.92 |  |  |  |  |  | 44.475% | 44.475% | 44.475% | 12/31/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10579.00 |  | 6.270% | $0.00 | 2.2 |  |  |  | Yes | No | 7.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.2 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 294 (redacted) |  | Non QM |  |  |  | Yes | No | $6469.00 | $8478.62 |  | 11.146% | $1462.39 | $1462.39 | 10.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4873.34 | 1 | $2243.28 | $1165.56 | $186.94 | $97.13 |  |  |  |  |  | 38.107% | 38.107% | 38.107% | 12/05/2025 | 572 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<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]; 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]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $6469.00 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 10.490% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.07 |  |  | No |  |  |  | $0.00 | $3594.15 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 295 (redacted) |  | Non QM |  |  |  | Yes | No | $9798.20 | $12307.15 |  | 9.654% | $2739.27 | $2739.27 | 9.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5955.93 | 1 | $2864.64 | $3705.96 | $238.72 | $308.83 |  |  |  |  |  | 37.278% | 37.278% | 37.278% | 01/04/2026 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9798.20 |  | 6.180% | $12000.00 | 1 |  |  |  | Yes | No | 9.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 11.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.33 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 296 (redacted) |  | Non QM |  |  |  | Yes | No | $8862.66 | $9869.84 |  | 7.443% | $1474.82 | $1474.82 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22735.89 | 1 | $2121.00 | $2653.08 | $176.75 | $221.09 |  |  |  |  |  | 12.002% | 12.002% | 12.002% | 12/16/2025 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 - 2022 | [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 |  |  | CMS | $8862.66 |  | 6.060% | $15119.38 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 0.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.14 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 297 (redacted) |  | Non QM |  |  |  | Yes | No | $1395.00 | $2189.10 |  | 10.158% | $1227.57 | $1227.57 | 9.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2911.07 | 1 | $1582.32 | $1227.24 | $131.86 | $102.27 |  |  |  |  |  | 48.617% | 48.617% | 48.617% | 12/29/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $1395.00 |  | 6.170% | $0.00 | 3.3 |  |  |  | Yes | No | 9.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.18 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 298 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $4541.00 |  | 6.150% | $4557.08 | $4557.08 | 6.125% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $54140.83 | 1 | $60000.00 | $3962.04 | $5000.00 | $330.17 |  |  |  |  |  | 21.512% | 21.512% | 21.512% | 12/29/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1895.00 |  | 6.250% | $0.00 |  |  |  |  | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 714.44 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 299 (redacted) |  | Non QM |  |  |  | Yes | No | $41595.00 | $52472.68 |  | 7.157% | $17679.19 | $17679.19 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44151.53 | 1 | $16553.16 | $13639.92 | $1379.43 | $1136.66 |  |  |  |  |  | 47.077% | 47.077% | 47.077% | 10/02/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [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 - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $41595.00 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.35 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 300 (redacted) |  | Non QM |  |  |  | Yes | No | $47817.00 | $57331.00 |  | 6.498% | $12189.91 | $12189.91 | 6.249% | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57156.69 | 1 | $23958.96 | $3679.44 | $1996.58 | $306.62 |  |  |  |  |  | 46.672% | 46.672% | 46.672% | 12/17/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $47817.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.13 |  | No | No |  |  |  | $72052.94 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 301 (redacted) |  | Non QM |  |  |  | Yes | No | $1895.00 | $8192.30 |  | 7.107% | $4439.74 | $4439.74 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20762.69 | 1 | $12778.08 | $3819.96 | $1064.84 | $318.33 |  |  |  |  |  | 35.539% | 35.539% | 35.539% | 01/13/2026 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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 - 2026<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]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [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 |  |  | CMS | $1895.00 |  | 6.170% | $7500.00 | 1.1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 4.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 302 (redacted) |  | Non QM |  |  |  | Yes | No | $15150.00 | $17723.29 |  | 6.406% | $3493.39 | $3493.39 | 6.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4961.53 | 1 | $6660.00 | $2656.92 | $555.00 | $221.41 |  |  |  |  |  | 47.231% | 47.231% | 47.231% | 12/08/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<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 - 2026<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 - 2026<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 | [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 |  |  | CMS | $15150.00 |  | 6.180% | $0.00 | 1.9 |  |  |  | No | No | 6.124% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.290% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.72 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 303 (redacted) |  | Non QM |  |  |  | Yes | No | $13075.73 | $16098.61 |  | 6.314% | $13157.38 | $13157.38 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $78086.11 | 1 | $59101.20 | $7533.96 | $4925.10 | $627.83 |  |  |  |  |  | 31.834% | 31.834% | 31.834% | 12/07/2025 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 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 |  |  | CMS | $13075.73 |  | 6.250% | $0.00 | 3.4 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 44.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.65 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 304 (redacted) |  | Non QM |  |  |  | Yes | No | $14557.50 | $20211.30 |  | 6.456% | $5279.22 | $5279.22 | 6.249% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11675.61 | 1 | $15312.48 | $1828.32 | $1276.04 | $152.36 |  |  |  |  |  | 49.803% | 49.803% | 49.803% | 12/28/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14557.50 |  | 6.180% | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.720% | 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 |  |  |  |  |  |  |  |  |  |  |  | 17.92 |  | Yes | No |  |  |  | $11629.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 305 (redacted) |  | N/A |  |  |  | No | No | $5563.88 | $3658.91 |  | 6.180% | $929.20 | $929.20 | 5.999% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7855.12 | 1 | $4065.84 | $1748.64 | $338.82 | $145.72 |  |  |  |  |  | 38.813% | 38.813% | 38.813% | 01/06/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 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%)]; Business Return Transcripts - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 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]; Tax Return Extension - 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]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5563.88 |  | 6.060% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 126.26 |  | No | No |  |  |  | $7853.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 306 (redacted) |  | Non QM |  |  |  | Yes | No | $16355.80 | $11547.69 |  | 7.295% | $2605.35 | $2605.35 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10122.31 | 1 | $6186.00 | $1534.08 | $515.50 | $127.84 |  |  |  |  |  | 27.125% | 27.125% | 27.125% | 01/20/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16355.80 |  | 6.250% | $0.00 |  |  |  |  | N/A | No | 6.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 22.21 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 307 (redacted) |  | Non QM |  |  |  | Yes | No | $2236.09 | $2916.29 |  | 10.127% | $1141.09 | $1141.09 | 9.874% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3804.15 | 1 | $440.04 | $2880.96 | $36.67 | $240.08 |  |  |  |  |  | 49.960% | 49.960% | 49.960% | 12/05/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<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]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2236.09 |  | 6.180% | $0.00 | 2 |  |  |  | No | No | 9.874% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  | 18 |  |  | 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 | 20.83 |  |  | No |  |  |  | $1433.90 | $2720.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 308 (redacted) |  | Non QM |  |  |  | Yes | No | $22070.07 | $24745.29 |  | 6.371% | $3799.24 | $3799.24 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6648.94 | 1 | $6791.52 | $2748.24 | $565.96 | $229.02 |  |  |  |  |  | 47.086% | 47.086% | 47.086% | 11/06/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 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 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22070.07 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.230% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.51 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 309 (redacted) |  | Non QM |  |  |  | Yes | No | $15931.00 | $15897.90 |  | 8.307% | $2827.50 | $2827.50 | 7.874% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7597.78 | 1 | $7438.92 | $1772.04 | $619.91 | $147.67 |  |  |  |  |  | 35.354% | 35.354% | 35.354% | 01/12/2026 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<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<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15931.00 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 23 |  |  |  | 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 | 35.43 |  |  | No |  |  |  | $6689.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 310 (redacted) |  | Non QM |  |  |  | Yes | No | $16400.00 | $21084.11 |  | 7.202% | $3678.43 | $3678.43 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11019.32 | 1 | $5145.60 | $1571.04 | $428.80 | $130.92 |  |  |  |  |  | 28.014% | 28.014% | 28.014% | 12/15/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16400.00 |  | 6.310% | $8000.00 | 1.9 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.03 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 311 (redacted) |  | Non QM |  |  |  | Yes | No | $5157.13 | $6965.80 |  | 10.173% | $1286.35 | $1286.35 | 9.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3045.19 | 1 | $4177.56 | $6111.36 | $348.13 | $509.28 |  |  |  |  |  | 41.314% | 41.314% | 41.314% | 11/12/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5157.13 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 9.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 312 (redacted) |  | Non QM |  |  |  | Yes | No | $4027.80 | $5678.68 |  | 9.422% | $8982.11 | $8982.11 | 9.374% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $31736.80 | 1 | $15000.00 | $1323.96 | $1250.00 | $110.33 |  |  |  |  |  | 36.526% | 36.526% | 36.526% | 01/14/2026 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4027.80 |  | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 9.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 37.320% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 33.55 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 313 (redacted) |  | Non QM |  |  |  | Yes | No | $3370.00 | $5927.70 |  | 6.206% | $1607.22 | $1607.22 | 5.999% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4017.12 | 1 | $1226.88 | $2423.04 | $102.24 | $201.92 |  |  |  |  |  | 42.012% | 42.012% | 42.012% | 01/02/2026 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3370.00 |  | 6.060% | $0.00 | 3 |  |  |  | Yes | No | 5.999% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 36 | 36 |  |  | 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 | 33.15 |  |  | No |  |  |  | $0.00 | $3269.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 314 (redacted) |  | Non QM |  |  |  | Yes | No | $3467.00 | $2854.44 |  | 6.382% | $1231.30 | $1231.30 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7721.37 | 1 | $2127.12 | $2961.00 | $177.26 | $246.75 |  |  |  |  |  | 32.715% | 32.715% | 32.715% | 12/17/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 |  |  | CMS | $3467.00 |  | 6.060% | $0.00 | 2.1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.3 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 315 (redacted) |  | Non QM |  |  |  | Yes | No | $7732.50 | $10121.71 |  | 6.153% | $3619.40 | $3619.40 | 5.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17591.96 | 1 | $4407.84 | $2051.04 | $367.32 | $170.92 |  |  |  |  |  | 19.264% | 19.264% | 19.264% | 12/12/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 | [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 |  |  | CMS | $7732.50 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.97 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 316 (redacted) |  | Non QM |  |  |  | Yes | No | $13575.00 | $26381.02 |  | 6.347% | $4316.30 | $4316.30 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9966.38 | 1 | $5306.88 | $1605.96 | $442.24 | $133.83 |  |  |  |  |  | 38.656% | 38.656% | 38.656% | 10/21/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 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]; Telephone Listing / Internet Search / Directory Assistance - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 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 | [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 |  |  | CMS | $13575.00 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 19.42 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 317 (redacted) |  | Non QM |  |  |  | Yes | No | $16920.00 | $24582.74 |  | 6.309% | $4473.67 | $4473.67 | 5.999% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5780.93 | 2 | $5566.80 | $2162.04 | $463.90 | $180.17 |  |  |  |  |  | 49.074% | 49.074% | 49.074% | 11/14/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16920.00 |  | 6.250% | $59700.00 |  |  |  |  | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.800% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.5 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 318 (redacted) |  | Non QM |  |  |  | Yes | No | $10695.00 | $14195.64 |  | 6.727% | $3792.01 | $3792.01 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8526.58 | 1 | $13982.88 | $2346.00 | $1165.24 | $195.50 |  |  |  |  |  | 37.913% | 37.913% | 37.913% | 11/21/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<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 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10695.00 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 13.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.21 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 319 (redacted) |  | Non QM |  |  |  | Yes | No | $25127.53 | $41553.21 |  | 6.761% | $9691.75 | $9691.75 | 6.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24052.52 | 1 | $9774.48 | $2778.00 | $814.54 | $231.50 |  |  |  |  |  | 45.508% | 45.508% | 45.508% | 12/22/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 - 2021<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 - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - 2026<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [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 |  |  | CMS | $25127.53 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  | Closed End | No |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 320 (redacted) |  | Non QM |  |  |  | Yes | No | $16167.82 | $18768.06 |  | 6.178% | $5731.09 | $5731.09 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35737.16 | 1 | $13621.32 | $2223.12 | $1135.11 | $185.26 |  |  |  |  |  | 28.222% | 28.222% | 28.222% | 11/12/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2020<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 - 2018<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 - 2013 | [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 |  |  | CMS | $16167.82 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.3 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 321 (redacted) |  | Non QM |  |  |  | Yes | No | $8588.40 | $7043.23 |  | 6.282% | $11426.50 | $11426.50 | 6.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $201200.92 | 1 | $26619.12 | $2781.00 | $2218.26 | $231.75 |  |  |  |  |  | 11.862% | 11.862% | 11.862% | 12/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | CMS | $8588.40 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.53 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 322 (redacted) |  | Non QM |  |  |  | Yes | No | $16420.00 | $17471.56 |  | 6.998% | $3486.98 | $4713.89 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5584.37 | 1 | $2283.36 | $2899.56 | $190.28 | $241.63 |  |  |  |  |  | 48.885% | 37.655% | 48.885% | 10/28/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16420.00 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  | 240 | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.7 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| (redacted) | 323 (redacted) |  | Non QM |  |  |  | Yes | No | $35884.80 | $44669.75 |  | 10.344% | $11048.09 | $11048.09 | 9.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $260675.51 | 1 | $26250.96 | $28020.00 | $2187.58 | $2335.00 |  |  |  |  |  | 11.567% | 11.567% | 11.567% | 12/22/2025 | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<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 - 2026<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]; 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 |  |  | CMS | $35884.80 |  | 6.180% | $0.00 |  |  |  |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 27.68 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 324 (redacted) |  | Non QM |  |  |  | Yes | No | $9235.63 | $9711.00 |  | 8.372% | $1533.37 | $1533.37 | 7.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5445.26 | 1 | $5481.12 | $779.04 | $456.76 | $64.92 |  |  |  |  |  | 30.102% | 30.102% | 30.102% | 11/18/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 | [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 |  |  | CMS | $9235.63 |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 16.450% | 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 |  |  |  |  | 8.79 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 325 (redacted) |  | Non QM |  |  |  | Yes | No | $5793.12 | $8702.52 |  | 6.484% | $1889.44 | $1889.44 | 6.249% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4819.68 | 1 | $7120.20 | $4643.16 | $593.35 | $386.93 |  |  |  |  |  | 49.471% | 49.471% | 49.471% | 11/05/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 65.000% | 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]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| 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: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5793.12 |  | 6.270% | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.01 |  |  | No |  |  |  | $1525.51 | $3329.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 326 (redacted) |  | Non QM |  |  |  | Yes | No | $5842.32 | $7557.56 |  | 6.621% | $1601.93 | $1601.93 | 6.374% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $2582.47 | 1 | $7392.96 | $1331.04 | $616.08 | $110.92 |  |  |  |  |  | 48.754% | 48.754% | 48.754% | 12/10/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5842.32 |  | 6.100% | $65000.00 | 1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 9.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.07 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 327 (redacted) |  | Non QM |  |  |  | Yes | No | $10215.00 | $13334.60 |  | 7.524% | $5883.97 | $5883.97 | 7.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9292.11 | 1 | $9369.36 | $1832.04 | $780.78 | $152.67 |  |  |  |  |  | 47.655% | 47.655% | 47.655% | 12/11/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10215.00 |  | 6.270% | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 328 (redacted) |  | Non QM |  |  |  | Yes | No | $15145.00 | $17014.60 |  | 6.234% | $4075.91 | $4075.91 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9771.97 | 1 | $25303.92 | $1628.04 | $2108.66 | $135.67 |  |  |  |  |  | 40.233% | 40.233% | 40.233% | 10/29/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2017<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2017 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15145.00 |  | 6.180% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 17.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 329 (redacted) |  | Non QM |  |  |  | Yes | No | $6274.80 | $9133.90 |  | 7.388% | $1541.94 | $1541.94 | 6.990% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | Honduras |  |  | $4607.73 | 1 | $4758.60 | $1341.96 | $396.55 | $111.83 |  |  |  |  |  | 40.904% | 40.904% | 40.904% | 12/17/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<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]; 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6274.80 |  | 6.220% | $0.00 | 2 |  |  |  | Yes | No | 6.990% | 0 | 3 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Passport |  |  | No | 7.64 |  |  | No |  |  |  | $0.00 | $7797.05 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 |
| (redacted) | 330 (redacted) |  | Non QM |  |  |  | Yes | No | $4523.25 | $5349.53 |  | 6.793% | $4332.19 | $4332.19 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15371.27 | 1 | $15916.92 | $7755.84 | $1326.41 | $646.32 |  |  |  |  |  | 34.002% | 34.002% | 34.002% | 01/02/2026 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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 - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 |  |  | CMS | $4523.25 |  | 6.140% | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.98 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 331 (redacted) |  | Non QM |  |  |  | Yes | No | $8122.86 | $10811.78 |  | 7.807% | $2245.03 | $2245.03 | 7.490% | No | Yes | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7321.74 | 1 | $4906.68 | $3583.44 | $408.89 | $298.62 |  |  |  |  |  | 43.260% | 43.260% | 43.260% | 11/24/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011 | [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 |  |  | CMS | $8122.86 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.93 |  | No | No |  |  |  | $11202.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 332 (redacted) |  | Non QM |  |  |  | Yes | No | $13471.88 | $16590.88 |  | 7.489% | $2884.91 | $2884.91 | 7.124% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10905.89 | 3 | $4852.92 | $3512.04 | $404.41 | $292.67 |  |  |  |  |  | 24.931% | 24.931% | 24.931% | 11/14/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13471.88 |  | 6.140% | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 12.6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 333 (redacted) |  | Non QM |  |  |  | Yes | No | $7881.50 | $10126.86 |  | 9.217% | $2362.85 | $2362.85 | 8.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22768.85 | 1 | $3014.64 | $1288.44 | $251.22 | $107.37 |  |  |  |  |  | 27.993% | 27.993% | 27.993% | 11/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| 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: 75.00% \| 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: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [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 |  |  | CMS | $7881.50 |  | 6.060% | $0.00 |  |  |  |  | N/A | No | 8.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 8.2 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 334 (redacted) |  | Non QM |  |  |  | Yes | No | $5220.40 | $5625.64 |  | 10.323% | $1365.86 | $1365.86 | 9.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2214.87 | 1 | $707.04 | $1398.96 | $58.92 | $116.58 |  |  |  |  |  | 47.815% | 47.815% | 47.815% | 01/12/2026 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5220.40 |  | 6.140% | $0.00 | 1 |  |  |  | Yes | No | 9.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.36 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 335 (redacted) |  | Non QM |  |  |  | Yes | No | $5363.50 | $6712.51 |  | 10.137% | $966.14 | $966.14 | 9.490% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5481.92 | 1 | $4988.16 | $5520.00 | $415.68 | $460.00 |  |  |  |  |  | 48.549% | 48.549% | 48.549% | 01/13/2026 | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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]; 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 |  |  | CMS | $5363.50 |  | 6.270% | $0.00 | 1.1 |  |  |  | No | No | 9.490% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.99 |  | Yes | No |  |  |  | $0.00 | $3988.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 336 (redacted) |  | Non QM |  |  |  | Yes | No | $5555.22 | $7307.11 |  | 10.366% | $1127.97 | $1127.97 | 9.749% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4528.43 | 1 | $3105.96 | $3262.56 | $258.83 | $271.88 |  |  |  |  |  | 34.400% | 34.400% | 34.400% | 11/07/2025 | 613 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $5555.22 |  | 6.100% | $0.00 | 1.5 |  |  |  | Yes | No | 9.749% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 24.36 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 337 (redacted) |  | Non QM |  |  |  | Yes | No | $21451.00 | $26349.80 |  | 7.323% | $4774.71 | $4774.71 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5646.45 | 2 | $6865.08 | $1769.04 | $572.09 | $147.42 |  |  |  |  |  | 49.660% | 49.660% | 49.660% | 11/24/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<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 - 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21451.00 |  | 6.060% | $0.00 |  |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 51.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.92 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 338 (redacted) |  | Non QM |  |  |  | Yes | No | $15475.00 | $18138.84 |  | 9.432% | $5342.93 | $5866.72 | 9.679% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8118.49 | 1 | $6042.12 | $3588.48 | $503.51 | $299.04 |  |  |  |  |  | 48.906% | 60.549% | 48.906% | 11/24/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<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<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15475.00 |  | 6.190% | $0.00 | 1 |  |  |  | Yes | No | 9.679% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 36 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | 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 | 13.22 |  |  | No |  |  |  | $0.00 | $8605.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 339 (redacted) |  | Non QM |  |  |  | Yes | No | $27295.00 | $39211.58 |  | 6.380% | $5515.27 | $5515.27 | 5.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19818.00 | 1 | $1786.08 | $3227.04 | $148.84 | $268.92 |  |  |  |  |  | 35.027% | 35.027% | 35.027% | 12/23/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<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 - 2026<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 - 2026<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]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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 - 2018 | [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 |  |  | CMS | $27295.00 |  | 6.060% | $245250.00 | 1 |  |  |  | No | No | 5.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 3.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.05 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 340 (redacted) |  | Non QM |  |  |  | Yes | No | $3450.00 | $3502.14 |  | 9.984% | $849.92 | $849.92 | 9.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4634.03 | 1 | $10519.56 | $2671.32 | $876.63 | $222.61 |  |  |  |  |  | 33.096% | 33.096% | 33.096% | 01/23/2026 | 608 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3450.00 |  | 6.140% | $0.00 | 1.4 |  |  |  | Yes | No | 9.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.25 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 341 (redacted) |  | Non QM |  |  |  | Yes | No | $5648.80 | $5658.72 |  | 6.184% | $1570.65 | $1570.65 | 5.999% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13598.35 | 1 | $3887.04 | $1728.00 | $323.92 | $144.00 |  |  |  |  |  | 13.037% | 13.037% | 13.037% | 01/09/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5648.80 |  | 6.170% | $0.00 | 1 |  |  |  | Yes | No | 5.999% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No | 36 |  |  |  | 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 | 115.35 |  |  | No |  |  |  | $0.00 | $9516.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 342 (redacted) |  | Non QM |  |  |  | Yes | No | $7893.61 | $11421.61 |  | 6.555% | $3259.13 | $3259.13 | 6.374% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Viet Nam |  |  |  | $5476.69 | 1 | $9426.96 | $4427.16 | $785.58 | $368.93 |  |  |  |  |  | 48.956% | 48.956% | 48.956% | 12/03/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026 | [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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7893.61 |  | 6.170% | $0.00 |  |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  | No | 5.77 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 343 (redacted) |  | Non QM |  |  |  | Yes | No | $8151.89 | $13146.08 |  | 6.588% | $2130.13 | $2130.13 | 6.249% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Egypt |  |  |  | $10194.86 | 1 | $13402.80 | $1950.00 | $1116.90 | $162.50 |  |  |  |  |  | 28.492% | 28.492% | 28.492% | 11/26/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8151.89 |  | 6.060% | $0.00 | 2.2 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 | 6.02 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 344 (redacted) |  | Non QM |  |  |  | Yes | No | $7920.00 | $11824.22 |  | 6.650% | $3934.21 | $3934.21 | 6.499% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | China |  |  |  | $42166.24 | 1 | $16157.88 | $5204.28 | $1346.49 | $433.69 |  |  |  |  |  | 12.223% | 12.223% | 12.223% | 12/14/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| 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: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | CMS | $7920.00 |  | 6.060% | $0.00 | 2.1 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [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 |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 103.74 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 345 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1140.84 | $1140.84 | 10.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3476.04 | $1962.96 | $289.67 | $163.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/07/2023 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [redacted] | [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 | 66.01 |  |  |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 346 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1832.81 | $1832.81 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6410.16 | $772.08 | $534.18 | $64.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.08 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 347 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $908.09 | $908.09 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6836.28 | $1557.00 | $569.69 | $129.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.93 | 0.52 |  |  |  |  |  |  |  | [redacted] | [redacted] | 34.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 348 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1718.11 | $1718.11 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10300.44 | $1458.96 | $858.37 | $121.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.44 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 480 |
| (redacted) | 349 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $11867.42 | $11867.42 | 6.499% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $47050.80 | $8943.96 | $3920.90 | $745.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.35 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 350 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1883.98 | $1883.98 | 7.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3928.80 | $1965.00 | $327.40 | $163.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [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 | 84.43 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 351 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1852.50 | $1852.50 | 8.374% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6793.20 | $1936.92 | $566.10 | $161.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.33 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 352 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4085.75 | $4085.75 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $15686.76 | $1050.00 | $1307.23 | $87.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 8.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.89 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 353 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2345.63 | $2345.63 | 6.249% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2317.08 | $1508.04 | $193.09 | $125.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 723 | 752 | 754 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | [redacted] | [redacted] | 52.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | 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 |  |  |  |  |  |  |  |  | 25.97 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 354 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1276.00 | $1276.00 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5536.20 | $1314.00 | $461.35 | $109.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [redacted] | [redacted] | 16.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.46 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 355 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3702.21 | $3702.21 | 7.490% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $6703.20 | $2400.00 | $558.60 | $200.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  |  | [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 | 22.62 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 356 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2542.65 | $2542.65 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2175.12 | $3212.04 | $181.26 | $267.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  |  | [redacted] | [redacted] | 46.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.48 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 357 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2359.11 | $2359.11 | 7.374% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3896.16 | $1561.08 | $324.68 | $130.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 21.08 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 358 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2501.96 | $2501.96 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6146.88 | $1635.00 | $512.24 | $136.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.45 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 359 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1311.22 | $1311.22 | 6.624% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2792.52 | $1274.04 | $232.71 | $106.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 741 | 750 | 749 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [redacted] | [redacted] | 0.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 77.8 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 360 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1302.35 | $1302.35 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3642.84 | $1239.96 | $303.57 | $103.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 361 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1113.90 | $1113.90 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2401.44 | $3326.88 | $200.12 | $277.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.51 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| (redacted) | 362 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2673.16 | $2673.16 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10469.52 | $1593.00 | $872.46 | $132.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.49 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 363 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $516.23 | $516.23 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1849.56 | $1344.00 | $154.13 | $112.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.85 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 364 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4414.11 | $4414.11 | 6.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6563.52 | $786.96 | $546.96 | $65.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.57 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 365 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1118.64 | $1118.64 | 6.499% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3764.52 | $4314.00 | $313.71 | $359.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [redacted] | [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 | 36.05 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 366 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2326.21 | $2326.21 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8399.16 | $3408.00 | $699.93 | $284.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 44.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.04 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 | 360 |
| (redacted) | 367 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2401.04 | $2401.04 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4546.20 | $4530.96 | $378.85 | $377.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.22 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 368 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1272.92 | $1272.92 | 8.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3750.00 | $3609.96 | $312.50 | $300.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.88 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 369 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2262.57 | $2262.57 | 9.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3822.00 | $3238.80 | $318.50 | $269.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 23.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.55 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 370 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $760.59 | $760.59 | 8.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6848.16 | $1842.60 | $570.68 | $153.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.65 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 371 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $810.48 | $810.48 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $411.48 | $1146.96 | $34.29 | $95.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [redacted] | [redacted] | 41.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.56 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 372 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $632.00 | $632.00 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2128.80 | $903.96 | $177.40 | $75.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.88 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 373 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $804.66 | $804.66 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $817.68 | $1206.00 | $68.14 | $100.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.04 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 20 | 360 |
| (redacted) | 374 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1605.12 | $1605.12 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1148.16 | $2424.00 | $95.68 | $202.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [redacted] | [redacted] | 12.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.66 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 375 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $821.71 | $821.71 | 8.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1634.04 | $999.72 | $136.17 | $83.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [redacted] | [redacted] | 24.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.6 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 376 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1572.99 | $2257.79 | 10.083% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6017.04 | $1289.04 | $501.42 | $107.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 10.083% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 51.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.3 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 377 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1477.57 | $2122.30 | 10.091% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5950.44 | $1062.96 | $495.87 | $88.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 10.091% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [redacted] | [redacted] | 50.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.31 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 378 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4008.22 | $4008.22 | 7.124% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8222.40 | $4166.04 | $685.20 | $347.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.17 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 379 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1429.48 | $1429.48 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6323.52 | $5098.92 | $526.96 | $424.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 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 | 8.98 |  |  | No |  |  |  | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 380 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1424.77 | $1424.77 | 7.124% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2726.40 | $2918.04 | $227.20 | $243.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [redacted] | [redacted] | 53.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 381 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3298.75 | $3298.75 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11650.44 | $1520.04 | $970.87 | $126.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.78 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 382 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2054.74 | $2054.74 | 6.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7133.28 | $777.96 | $594.44 | $64.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 32.090% | 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 |  |  |  |  |  |  |  |  |  |  |  | 3.32 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 383 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3199.84 | $3199.84 | 7.124% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4481.76 | $755.04 | $373.48 | $62.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 125.31 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 384 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1150.24 | $1150.24 | 6.499% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | $3083.64 | $807.00 | $256.97 | $67.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 70.74 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 385 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2028.73 | $2028.73 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7549.44 | $1083.00 | $629.12 | $90.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.499% | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.42 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 386 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2448.09 | $2448.09 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4887.60 | $924.00 | $407.30 | $77.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [redacted] | [redacted] | 40.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.37 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 387 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1195.49 | $1195.49 | 6.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $985.56 | $2027.04 | $82.13 | $168.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 244.81 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 388 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2176.33 | $2176.33 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5645.52 | $2105.04 | $470.46 | $175.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.29 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 389 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2387.38 | $2387.38 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5475.96 | $908.04 | $456.33 | $75.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 2.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.4 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 390 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1580.80 | $1580.80 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1002.72 | $1125.00 | $83.56 | $93.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 135.05 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 391 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1848.75 | $1848.75 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3693.72 | $3394.08 | $307.81 | $282.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [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 | 5.13 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 392 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1515.49 | $2197.22 | 10.203% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5854.92 | $1188.96 | $487.91 | $99.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 10.203% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [redacted] | [redacted] | 50.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.44 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 393 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2060.90 | $2060.90 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7248.12 | $1612.20 | $604.01 | $134.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.85 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 394 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1794.50 | $1794.50 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3476.40 | $2369.40 | $289.70 | $197.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [redacted] | [redacted] | 26.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.51 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 395 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $920.04 | $920.04 | 8.624% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3930.48 | $1019.04 | $327.54 | $84.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.03 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 73.66 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 396 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1484.65 | $1484.65 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $4015.44 | $2646.96 | $334.62 | $220.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [redacted] | [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 | 5.66 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 397 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1223.76 | $1717.54 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1139.28 | $1427.52 | $94.94 | $118.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  | 360 | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 87.46 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 398 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $874.18 | $874.18 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1146.48 | $588.00 | $95.54 | $49.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [redacted] | [redacted] | 8.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.04 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 399 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2687.82 | $2687.82 | 6.374% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $3628.32 | $2106.00 | $302.36 | $175.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 790 | 814 | 822 | 825 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 64.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 73.05 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 400 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4612.77 | $4612.77 | 6.249% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $11471.64 | $2592.00 | $955.97 | $216.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 801 | 801 | 813 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [redacted] | [redacted] | 84.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | 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 |  |  |  |  |  |  |  |  | 97.32 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 401 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1569.91 | $1569.91 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11727.00 | $1449.00 | $977.25 | $120.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 52.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.53 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 402 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1440.50 | $1440.50 | 6.624% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $3258.72 | $1800.00 | $271.56 | $150.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 15.34 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 403 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $883.98 | $883.98 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1153.92 | $1248.00 | $96.16 | $104.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.51 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 404 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1132.36 | $1132.36 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5730.12 | $2597.04 | $477.51 | $216.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | [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 | 77.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 405 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1033.32 | $1033.32 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2226.24 | $2260.20 | $185.52 | $188.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| (redacted) | 406 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1296.03 | $1296.03 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3672.48 | $1769.04 | $306.04 | $147.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [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 | 33.44 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 407 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2882.52 | $2882.52 | 6.374% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $14494.32 | $2106.96 | $1207.86 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.27 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 480 |
| (redacted) | 408 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2770.43 | $2770.43 | 6.249% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $14335.32 | $1560.00 | $1194.61 | $130.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.45 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 409 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3601.38 | $3601.38 | 6.624% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $12871.68 | $1850.04 | $1072.64 | $154.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 410 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1619.17 | $2335.66 | 10.142% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5180.64 | $1184.04 | $431.72 | $98.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.142% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 11.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 411 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2829.33 | $2829.33 | 7.124% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6264.48 | $2469.96 | $522.04 | $205.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [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 | 29.82 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 412 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2093.22 | $2093.22 | 6.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $6863.76 | $1622.04 | $571.98 | $135.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  | 295.17 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 413 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1871.41 | $1871.41 | 6.374% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7726.56 | $1616.52 | $643.88 | $134.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  | 327.76 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 414 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $892.94 | $892.94 | 9.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2445.00 | $4794.12 | $203.75 | $399.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/21/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | [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 | 44.61 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 415 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1387.68 | $2017.08 | 10.234% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $2085.12 | $1119.96 | $173.76 | $93.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 10.234% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | 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 | 332.17 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 416 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1315.70 | $1315.70 | 6.624% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $1987.44 | $708.96 | $165.62 | $59.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 316.54 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 |
| (redacted) | 417 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2087.06 | $2087.06 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5332.80 | $2508.00 | $444.40 | $209.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 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 | 8.01 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 418 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4292.84 | $4292.84 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8275.08 | $3591.96 | $689.59 | $299.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/13/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [redacted] | [redacted] | 32.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.38 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 419 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3973.68 | $3973.68 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6958.68 | $2301.96 | $579.89 | $191.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.93 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 480 |
| (redacted) | 420 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1015.83 | $1015.83 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4549.20 | $614.04 | $379.10 | $51.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [redacted] | [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 | 28.73 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 421 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1117.65 | $1117.65 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1650.36 | $1916.04 | $137.53 | $159.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [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 | 106.26 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 422 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $864.28 | $864.28 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5558.04 | $1353.00 | $463.17 | $112.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.81 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 423 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $5557.62 | $5557.62 | 7.124% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $7461.96 | $2595.96 | $621.83 | $216.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [redacted] | [redacted] | 33.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.36 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 424 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4363.09 | $4363.09 | 9.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $11214.48 | $3438.00 | $934.54 | $286.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [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 | 37.27 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 425 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2512.31 | $2512.31 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9236.76 | $1835.04 | $769.73 | $152.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | [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 | 44.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 426 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2259.32 | $2259.32 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4339.68 | $945.00 | $361.64 | $78.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.4 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 480 |
| (redacted) | 427 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1006.59 | $1006.59 | 6.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4437.96 | $2033.76 | $369.83 | $169.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 39.05 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 428 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2271.76 | $2271.76 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6151.20 | $1942.44 | $512.60 | $161.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.54 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 429 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1117.41 | $1117.41 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3890.76 | $2097.00 | $324.23 | $174.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [redacted] | [redacted] | 0.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.28 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 430 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1512.04 | $1512.04 | 6.990% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $4919.40 | $1866.00 | $409.95 | $155.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [redacted] | [redacted] | 22.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.48 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| (redacted) | 431 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1331.71 | $1331.71 | 6.624% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2202.72 | $932.04 | $183.56 | $77.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 737 | 723 | 737 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [redacted] | [redacted] | 0.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 432 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3312.63 | $3312.63 | 7.999% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4529.16 | $1665.00 | $377.43 | $138.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.999% | 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 | 14.08 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 433 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2973.06 | $2973.06 | 7.374% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $5731.44 | $2391.96 | $477.62 | $199.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.51 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 434 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3742.83 | $3742.83 | 6.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14687.52 | $2393.04 | $1223.96 | $199.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | [redacted] | [redacted] | 83.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.52 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 435 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1292.87 | $1292.87 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2100.72 | $792.00 | $175.06 | $66.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 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 | 59.26 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 436 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2308.70 | $2308.70 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $4241.88 | $3555.00 | $353.49 | $296.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [redacted] | [redacted] | 54.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 44.23 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 437 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2641.01 | $3598.06 | 9.928% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $10254.24 | $2152.32 | $854.52 | $179.36 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.928% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [redacted] | [redacted] | 41.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.37 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 438 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1281.08 | $1281.08 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3570.36 | $4929.96 | $297.53 | $410.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.87 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 439 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $623.43 | $623.43 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2693.16 | $1304.04 | $224.43 | $108.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.8 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 440 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $604.81 | $604.81 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1160.88 | $831.00 | $96.74 | $69.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 1 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.75 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 |
| (redacted) | 441 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1564.37 | $1564.37 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5285.16 | $1086.96 | $440.43 | $90.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.1 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 442 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $733.07 | $733.07 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2350.80 | $3795.00 | $195.90 | $316.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [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 | 65.31 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 443 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3412.51 | $3412.51 | 6.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $11794.56 | $4101.00 | $982.88 | $341.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | [redacted] | [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 | 19.77 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| (redacted) | 444 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $923.48 | $923.48 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4428.84 | $2252.04 | $369.07 | $187.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 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 | 89.36 |  |  | No |  |  |  | $0.00 | $0.00 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 445 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2669.01 | $2669.01 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2979.60 | $1188.96 | $248.30 | $99.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.28 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| (redacted) | 446 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $907.94 | $907.94 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5094.24 | $963.00 | $424.52 | $80.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [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 | 42.61 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 447 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1420.65 | $1420.65 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2422.56 | $514.44 | $201.88 | $42.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [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 | 123.96 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 448 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2693.45 | $2693.45 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4878.84 | $2033.04 | $406.57 | $169.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 28.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.57 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 449 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1188.03 | $1188.03 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1600.92 | $1165.92 | $133.41 | $97.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.86 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 450 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1610.77 | $1610.77 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2950.44 | $1212.00 | $245.87 | $101.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.54 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 480 |
| (redacted) | 451 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1854.99 | $1854.99 | 6.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3019.68 | $1726.32 | $251.64 | $143.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 7.320% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.14 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 452 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $516.56 | $516.56 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2291.16 | $1608.60 | $190.93 | $134.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [redacted] | [redacted] | 78.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.35 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 453 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2507.40 | $2507.40 | 6.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $16467.00 | $1173.96 | $1372.25 | $97.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 45.280% | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.43 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 454 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1669.23 | $1669.23 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5940.48 | $849.96 | $495.04 | $70.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [redacted] | [redacted] | 2.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.95 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 480 |
| (redacted) | 455 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1420.65 | $1420.65 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5367.24 | $1905.00 | $447.27 | $158.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.24 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 |
| (redacted) | 456 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1247.61 | $1247.61 | 6.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7760.64 | $1800.00 | $646.72 | $150.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.4 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 457 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1970.59 | $1970.59 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12198.12 | $1505.04 | $1016.51 | $125.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [redacted] | [redacted] | 67.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.52 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 458 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $778.24 | $778.24 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5433.12 | $1703.04 | $452.76 | $141.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [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 | 37.61 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 459 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2209.94 | $2209.94 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5874.72 | $1463.04 | $489.56 | $121.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [redacted] | [redacted] | 54.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.72 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 460 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1403.69 | $1403.69 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5490.84 | $4076.04 | $457.57 | $339.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.46 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 461 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $821.60 | $821.60 | 6.499% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3130.08 | $2462.04 | $260.84 | $205.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2 |  |  |  | No | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.04 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 462 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1399.89 | $1399.89 | 8.624% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3400.08 | $5901.00 | $283.34 | $491.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 50.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.3 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 463 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2118.51 | $2118.51 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2886.36 | $1621.08 | $240.53 | $135.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.82 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 464 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1547.13 | $1547.13 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5447.76 | $1086.96 | $453.98 | $90.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.88 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 465 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1126.38 | $1126.38 | 7.490% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4824.00 | $2568.00 | $402.00 | $214.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [redacted] | [redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  | 935.36 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 466 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1525.59 | $1525.59 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5334.36 | $1086.96 | $444.53 | $90.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.66 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 467 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1684.13 | $1684.13 | 7.124% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $13538.76 | $4378.08 | $1128.23 | $364.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/16/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  |  |  |  |  | [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 | 75.28 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 468 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2103.35 | $2103.35 | 8.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3990.00 | $4778.40 | $332.50 | $398.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.65 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 469 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3738.55 | $3738.55 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $11250.00 | $1971.00 | $937.50 | $164.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.31 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 470 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3738.55 | $3738.55 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $11250.00 | $1971.00 | $937.50 | $164.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.63 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 471 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1747.22 | $1747.22 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6109.20 | $2281.56 | $509.10 | $190.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.51 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 472 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1959.21 | $1959.21 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6693.12 | $4128.96 | $557.76 | $344.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.79 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 473 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1604.08 | $1604.08 | 9.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1862.16 | $2835.60 | $155.18 | $236.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [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 | 16.05 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 474 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1627.41 | $1627.41 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4412.04 | $1230.00 | $367.67 | $102.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [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 | 98.77 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 475 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $881.15 | $881.15 | 8.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1238.28 | $2501.04 | $103.19 | $208.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.56 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 476 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1467.91 | $1467.91 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6621.60 | $4178.04 | $551.80 | $348.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 4.23 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 477 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1183.11 | $1183.11 | 6.499% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $5721.96 | $2702.88 | $476.83 | $225.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 785 | 785 | 808 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [redacted] | [redacted] | 30.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.75 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 478 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3269.11 | $3269.11 | 6.249% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $12297.96 | $698.04 | $1024.83 | $58.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  |  |  |  |  | [redacted] | [redacted] | 66.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.35 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 479 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1589.80 | $1589.80 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4926.84 | $3077.04 | $410.57 | $256.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/24/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 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 | 107.32 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 480 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1821.42 | $1821.42 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3919.56 | $1802.04 | $326.63 | $150.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 3 |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [redacted] | [redacted] | 2.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.99 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 481 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1396.87 | $1396.87 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4753.44 | $3387.60 | $396.12 | $282.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [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 | 89.43 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 482 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1334.06 | $1334.06 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3073.80 | $1317.60 | $256.15 | $109.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 483 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2701.17 | $2701.17 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9600.00 | $2151.96 | $800.00 | $179.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [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 | 19.18 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 484 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1723.83 | $1723.83 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7157.28 | $2037.00 | $596.44 | $169.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 6.71 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 485 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1108.17 | $1108.17 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1753.56 | $6299.76 | $146.13 | $524.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.25 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 486 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1159.58 | $1159.58 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5492.40 | $765.96 | $457.70 | $63.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2026 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.51 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 487 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1857.28 | $1857.28 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $413.04 | $2156.04 | $34.42 | $179.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.58 |  |  |  |  |  |  |  | [redacted] | [redacted] | 31.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.42 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 488 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1653.76 | $1653.76 | 6.749% | No | No |  |  |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $4218.84 | $960.00 | $351.57 | $80.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.34 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 489 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1360.59 | $1360.59 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5814.48 | $2517.00 | $484.54 | $209.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 5.47 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 490 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $608.81 | $608.81 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $437.40 | $2071.80 | $36.45 | $172.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/21/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.96 | 0.51 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.42 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 |
| (redacted) | 491 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2997.23 | $2997.23 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10174.92 | $1397.04 | $847.91 | $116.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.92 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 492 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4083.16 | $4083.16 | 7.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $12290.16 | $2722.56 | $1024.18 | $226.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/01/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.3 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 493 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1182.05 | $1182.05 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5742.60 | $1349.52 | $478.55 | $112.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/04/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.99 |  |  |  |  |  |  |  | [redacted] | [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 | 25.91 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 494 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1318.14 | $1318.14 | 6.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $2882.04 | $5088.60 | $240.17 | $424.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [redacted] | [redacted] | 48.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 495 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1997.79 | $1997.79 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3808.80 | $2448.96 | $317.40 | $204.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.249% | 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 | 40.68 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 496 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2614.41 | $2614.41 | 8.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3553.92 | $2208.00 | $296.16 | $184.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 27.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.15 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 497 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $977.81 | $977.81 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2458.56 | $1070.88 | $204.88 | $89.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | [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 | 49.35 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 498 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1255.31 | $1255.31 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2723.64 | $2268.00 | $226.97 | $189.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 4.96 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 499 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1615.00 | $1615.00 | 7.490% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | $5954.52 | $947.04 | $496.21 | $78.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [redacted] | [redacted] | 23.930% | 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 |  |  |  |  |  |  |  |  |  |  |  | 8.11 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 500 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $838.24 | $838.24 | 7.490% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $1104.60 | $1622.04 | $92.05 | $135.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [redacted] | [redacted] | 34.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.5 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 501 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4617.39 | $4617.39 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $19875.48 | $4624.08 | $1656.29 | $385.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [redacted] | [redacted] | 22.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 502 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3201.39 | $3201.39 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8431.80 | $7516.80 | $702.65 | $626.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.49 |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.34 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 503 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2537.98 | $2537.98 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5591.28 | $1608.72 | $465.94 | $134.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | [redacted] | [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 | 6.99 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 504 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1306.67 | $1306.67 | 8.124% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3644.52 | $3855.00 | $303.71 | $321.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 8.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [redacted] | [redacted] | 57.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 505 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $865.95 | $865.95 | 9.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $2001.00 | $4074.00 | $166.75 | $339.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [redacted] | [redacted] | 8.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.32 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 506 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2462.61 | $2462.61 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11641.20 | $2407.44 | $970.10 | $200.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.11 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 507 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $965.20 | $965.20 | 8.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1715.52 | $1299.00 | $142.96 | $108.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/31/2025 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 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 | 94.36 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 508 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3349.50 | $3349.50 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6156.24 | $2498.04 | $513.02 | $208.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2026 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 2 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [redacted] | [redacted] | 5.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.03 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 509 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1193.30 | $1193.30 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3336.48 | $1296.00 | $278.04 | $108.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.12 | 0.47 |  |  |  |  |  |  |  | [redacted] | [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 | 136.12 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 510 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1791.57 | $1791.57 | 6.749% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $4743.00 | $2885.40 | $395.25 | $240.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2025 | 783 | 783 | 782 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Yes | 110.83 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 511 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2536.49 | $2536.49 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4787.64 | $2449.92 | $398.97 | $204.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 129.83 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 512 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1591.25 | $1591.25 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3166.32 | $969.00 | $263.86 | $80.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [redacted] | [redacted] | 4.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.79 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 |
| (redacted) | 513 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $10804.59 | $14873.01 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $11123.04 | $3449.04 | $926.92 | $287.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [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 | 4.64 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 |
| (redacted) | 514 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2962.51 | $2962.51 | 6.499% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5396.88 | $2700.00 | $449.74 | $225.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [redacted] | [redacted] | 41.300% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.58 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 515 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3693.69 | $3693.69 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $8857.80 | $5673.96 | $738.15 | $472.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.2 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 516 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1413.75 | $1413.75 | 7.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4566.24 | $1479.00 | $380.52 | $123.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/24/2025 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.36 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 517 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2024.34 | $2024.34 | 8.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3336.00 | $3378.96 | $278.00 | $281.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/04/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.55 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 518 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $891.73 | $891.73 | 7.624% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2624.28 | $647.64 | $218.69 | $53.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [redacted] | [redacted] | 66.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.22 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 519 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1005.22 | $1005.22 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6839.28 | $2643.00 | $569.94 | $220.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/08/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | [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 | 83 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 520 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $897.79 | $897.79 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3068.76 | $3133.08 | $255.73 | $261.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 521 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $689.53 | $689.53 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3353.16 | $1290.96 | $279.43 | $107.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.21 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 522 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2206.83 | $2206.83 | 9.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5701.68 | $1383.00 | $475.14 | $115.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2026 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.13 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 480 |
| (redacted) | 523 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1428.67 | $1428.67 | 6.874% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2872.08 | $1311.96 | $239.34 | $109.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.47 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 524 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1884.51 | $1884.51 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6703.92 | $1866.00 | $558.66 | $155.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.55 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 525 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1553.87 | $1553.87 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4023.36 | $4098.00 | $335.28 | $341.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [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 | 47.43 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 |
| (redacted) | 526 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1777.81 | $1777.81 | 6.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1205.28 | $1160.04 | $100.44 | $96.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.24 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 480 |
| (redacted) | 527 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1326.98 | $1326.98 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $886.80 | $548.04 | $73.90 | $45.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [redacted] | [redacted] | 39.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.73 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 528 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $822.00 | $822.00 | 7.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4719.48 | $1578.00 | $393.29 | $131.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/09/2026 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.25 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 529 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $5617.83 | $5617.83 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $9790.44 | $2148.96 | $815.87 | $179.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2026 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [redacted] | 66.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.44 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 530 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $4659.89 | $4659.89 | 7.490% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $23519.52 | $1656.96 | $1959.96 | $138.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | [redacted] | [redacted] | 36.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.22 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 531 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1648.76 | $1648.76 | 8.624% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2552.04 | $1147.68 | $212.67 | $95.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.71 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 532 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1869.27 | $1869.27 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4309.80 | $2992.56 | $359.15 | $249.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.98 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 533 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1991.43 | $1991.43 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6684.72 | $4099.08 | $557.06 | $341.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.749% | 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 | 88.03 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| (redacted) | 534 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1419.81 | $1419.81 | 9.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1220.16 | $1137.00 | $101.68 | $94.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | [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 | 47.42 |  |  | No |  |  |  | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 535 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $972.80 | $972.80 | 6.749% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $2356.56 | $2711.04 | $196.38 | $225.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2026 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [redacted] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 97.83 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 536 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1329.81 | $1329.81 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2625.00 | $1292.04 | $218.75 | $107.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2026 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.31 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 8 | 360 |
| (redacted) | 537 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2796.79 | $2796.79 | 6.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2318.64 | $1145.52 | $193.22 | $95.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.75 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| (redacted) | 538 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3672.09 | $3672.09 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $7144.20 | $4260.96 | $595.35 | $355.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.23 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 539 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3497.79 | $3497.79 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $6110.40 | $6344.28 | $509.20 | $528.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/11/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 80.83 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| (redacted) | 540 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1791.73 | $1791.73 | 6.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4275.24 | $1562.40 | $356.27 | $130.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/21/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [redacted] | [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 | 6.26 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| (redacted) | 541 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3327.34 | $3327.34 | 7.374% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11278.20 | $1851.12 | $939.85 | $154.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.22 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 542 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $716.34 | $716.34 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $859.44 | $2033.28 | $71.62 | $169.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.33 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| (redacted) | 543 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1910.86 | $1910.86 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5556.12 | $365.04 | $463.01 | $30.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [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 | 98.08 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 544 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1771.41 | $1771.41 | 7.374% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $6563.04 | $2076.36 | $546.92 | $173.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/30/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [redacted] | [redacted] | 17.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.95 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| (redacted) | 545 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1437.54 | $1437.54 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3567.24 | $1682.04 | $297.27 | $140.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2026 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [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 | 107.25 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 546 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3866.30 | $3866.30 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $4903.20 | $4852.92 | $408.60 | $404.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2026 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.03 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| (redacted) | 547 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1248.86 | $1248.86 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2410.92 | $1578.96 | $200.91 | $131.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2026 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.8 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 548 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1778.45 | $1778.45 | 6.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $4021.32 | $2735.64 | $335.11 | $227.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/01/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.47 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 549 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $3370.70 | $3370.70 | 6.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $12699.24 | $2657.28 | $1058.27 | $221.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [redacted] | [redacted] | 34.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.7 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 550 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $972.73 | $972.73 | 6.249% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $1682.88 | $3842.04 | $140.24 | $320.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/05/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.43 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| (redacted) | 551 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $2785.05 | $2785.05 | 6.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5216.64 | $2579.04 | $434.72 | $214.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2026 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [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 | 3.02 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 552 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $932.71 | $932.71 | 6.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $112.56 | $1959.72 | $9.38 | $163.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/29/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.81 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 553 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1955.88 | $1955.88 | 7.490% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | $7242.12 | $4317.00 | $603.51 | $359.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 |  |  |  |  | No | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.6 |  |  |  |  |  |  |  | [redacted] | [redacted] | 48.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.12 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 | 360 |
| (redacted) | 554 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $1556.48 | $1556.48 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1865.76 | $2529.24 | $155.48 | $210.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2026 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [redacted] | [redacted] | 65.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.35 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| (redacted) | 555 (redacted) |  | N/A |  |  |  | No | No |  |  |  |  | $843.09 | $843.09 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $642.12 | $1346.64 | $53.51 | $112.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Carrington |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.71 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.47 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

![](tm2613835d1_situsamcimg01.jpg)

**Valuation Report**

**Run Date - 4/28/2026 3:40:14 PM** 

---

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| **SitusAMC Loan ID** | **Customer 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** |
| (redacted) | 1 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 22.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.860% |  |  |  |  |  |  |  |  | Yes |  | 1.90 |
| (redacted) | 2 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 3 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 4 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 5 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 6 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 7 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 8 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 9 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| (redacted) | 10 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 11 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 12 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 13 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| (redacted) | 14 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 15 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| (redacted) | 16 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 17 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| (redacted) | 18 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 19 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| (redacted) | 20 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| (redacted) | 21 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 22 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| (redacted) | 23 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 24 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| (redacted) | 25 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| (redacted) | 26 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 27 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 28 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 29 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 30 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| (redacted) | 31 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 32 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 33 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 34 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 35 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| (redacted) | 36 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.240% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 37 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 38 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.190% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 39 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.920% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 40 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| (redacted) | 41 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| (redacted) | 42 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 43 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| (redacted) | 44 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 22.130% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 45 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 46 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 12.530% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 47 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 48 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.280% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| (redacted) | 49 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| (redacted) | 50 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| (redacted) | 51 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.560% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 52 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.490% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| (redacted) | 53 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 54 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| (redacted) | 55 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 56 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.630% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 57 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -15.200% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 58 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.140% |  |  | AVM |  | 0.06 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 59 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -19.060% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 60 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.450% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| (redacted) | 61 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.830% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 62 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.990% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 63 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.560% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 64 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.210% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 65 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 3.180% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 66 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 67 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.260% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 68 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.160% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 69 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 70 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.120% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| (redacted) | 71 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 72 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.910% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 73 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.760% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 74 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.120% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 75 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.970% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 76 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.820% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 77 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.880% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 78 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.150% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 79 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.380% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 80 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.350% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 81 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -12.570% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 82 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.020% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 83 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.540% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 84 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 3.050% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 85 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.790% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 86 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.580% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 87 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 88 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 89 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.510% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 90 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -44.680% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 91 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.260% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 92 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 19.090% |  |  | Appraisal |  |  |  |  |  | -0.360% |  | 0.12 |  |  |  | 19.090% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 93 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.630% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 94 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 95 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.680% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| (redacted) | 96 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -15.280% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 97 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.030% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| (redacted) | 98 (redacted) |  |  |  |  |  |  |  | -0.360% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 99 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.200% |  |  | AVM |  | 0.08 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 100 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.210% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 101 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.750% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 102 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.110% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 103 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 104 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.620% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 105 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.370% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 106 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.640% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 107 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 108 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.510% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.510% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 109 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.050% |  |  | AVM |  | 0.06 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 110 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.540% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 111 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.510% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 112 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.230% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 113 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.520% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 114 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.440% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 115 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 22.500% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 116 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -11.060% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.060% |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 117 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.250% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 118 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 0.240% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 119 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.130% |  |  | Appraisal |  |  |  |  |  | -15.990% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| (redacted) | 120 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 31.950% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 121 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.270% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 122 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.890% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 123 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.780% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 124 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.930% |  |  | AVM |  | 0.08 | Low |  |  |  |  |  |  |  |  | -1.070% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.930% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 125 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.370% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 126 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.920% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 127 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| (redacted) | 128 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -11.470% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 129 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.500% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| (redacted) | 130 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.090% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 131 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.080% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 132 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 40.650% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 133 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.160% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 134 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.870% |  |  | AVM |  | 0.09 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.870% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 135 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.500% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 136 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -18.420% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 137 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.280% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 138 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.350% |  |  | Desk Review |  |  | Low |  |  | -6.810% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 139 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.880% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| (redacted) | 140 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 141 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.610% |  |  | Appraisal |  |  |  |  |  | 6.800% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 142 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 143 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 21.590% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.300% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 145 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.580% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 146 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -8.160% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 147 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.570% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 148 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 149 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 150 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | Appraisal |  |  |  |  |  | 18.500% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 151 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 152 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.010% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 153 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -7.660% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 154 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.860% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| (redacted) | 155 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.100% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 156 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 10.170% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 157 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| (redacted) | 158 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.650% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| (redacted) | 159 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 160 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.200% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 161 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 162 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -9.730% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| (redacted) | 163 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -11.730% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 164 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -19.200% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -19.200% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 165 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.310% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| (redacted) | 166 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.040% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| (redacted) | 167 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.960% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| (redacted) | 168 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 0.000% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 169 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 170 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.990% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 171 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.320% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 172 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.610% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 173 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 174 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.520% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 175 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 176 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.000% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 177 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.950% |  |  | AVM |  | 0.06 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 178 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -14.080% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 179 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.940% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 180 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.890% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 181 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 182 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.680% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 183 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.070% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| (redacted) | 184 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.270% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 185 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.880% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| (redacted) | 186 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.920% |  |  | Appraisal |  |  |  |  |  | 0.920% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 187 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 188 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.850% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 189 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.270% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| (redacted) | 190 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 191 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.550% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 192 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 193 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.750% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 194 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.770% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 195 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.500% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 196 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.900% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 197 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 0.890% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 198 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 199 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -11.890% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 200 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 201 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.750% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 202 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -10.470% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 203 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.680% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 204 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 12.220% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 205 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.330% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 206 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 16.260% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 207 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| (redacted) | 208 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.030% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 209 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.820% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 210 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 0.400% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 211 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 212 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.090% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 213 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.120% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 214 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 2.360% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 215 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  | -7.430% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 216 (redacted) |  |  |  |  |  |  |  | 9.590% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| (redacted) | 217 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.130% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 218 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 219 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.680% |  |  | Desk Review |  |  | Moderate |  |  | 4.570% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| (redacted) | 220 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.550% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 221 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.750% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| (redacted) | 222 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 10.590% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 223 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.840% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| (redacted) | 224 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.000% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 225 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.460% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 226 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| (redacted) | 227 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -38.200% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 228 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.000% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 229 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.180% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 230 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -18.720% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 231 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 232 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 233 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.990% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 234 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.560% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 235 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 236 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -60.580% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 237 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.730% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| (redacted) | 238 (redacted) |  |  |  |  |  |  |  | 7.850% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| (redacted) | 239 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.760% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 240 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.890% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 241 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.980% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 242 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.020% |  |  | AVM |  | 0.08 |  |  |  | 17.020% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| (redacted) | 243 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.140% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 244 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 245 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.000% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| (redacted) | 246 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 247 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -12.200% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| (redacted) | 248 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.170% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 249 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.060% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| (redacted) | 250 (redacted) |  |  |  |  |  |  |  | 23.040% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 8.720% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 251 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.160% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 252 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| (redacted) | 253 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.060% |  |  | Desk Review |  |  | Moderate |  |  | 0.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 254 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.230% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 255 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.730% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 256 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.980% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| (redacted) | 257 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -38.120% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 258 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.100% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 259 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.210% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 260 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -9.670% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 261 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 262 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 23.930% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 263 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.860% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 264 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 265 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.250% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 266 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -12.470% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| (redacted) | 267 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 268 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.00 |
| (redacted) | 269 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -9.910% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| (redacted) | 270 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -27.660% |  |  | Field Review |  |  |  |  |  | -27.660% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 271 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.480% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| (redacted) | 272 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| (redacted) | 273 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 10.160% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 274 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 275 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 10.740% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 276 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -7.650% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 277 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 278 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -5.570% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 279 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.450% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| (redacted) | 280 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 16.900% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| (redacted) | 281 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.880% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 282 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 283 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.670% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 284 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -11.250% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 285 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.060% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| (redacted) | 286 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.080% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| (redacted) | 287 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 288 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 289 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.670% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 290 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.410% |  |  | Field Review |  |  |  |  |  | -23.580% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 291 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.070% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| (redacted) | 292 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -4.340% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 293 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.730% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| (redacted) | 294 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 5.690% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 295 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.350% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 296 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.290% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 297 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.500% |  |  | Desk Review |  |  | Moderate |  |  | 12.500% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| (redacted) | 298 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 299 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 300 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -20.360% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 301 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.880% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| (redacted) | 302 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.160% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| (redacted) | 303 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.400% |  |  | Appraisal |  |  |  |  |  | 11.130% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| (redacted) | 304 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 19.010% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 305 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 306 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.100% |  |  | Desk Review |  |  | Moderate |  |  | -8.980% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 307 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -37.770% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| (redacted) | 308 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.040% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 309 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 310 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.900% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 311 (redacted) |  |  |  |  |  |  |  | 29.410% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -11.760% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 312 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -5.540% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 313 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| (redacted) | 314 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| (redacted) | 315 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.830% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 316 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.220% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 317 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 46.530% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 318 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.510% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 319 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 320 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.380% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 321 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 322 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -18.060% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 323 (redacted) |  |  |  |  |  |  |  | 14.290% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  | -4.430% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 324 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -4.080% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 325 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.600% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 326 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.300% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 327 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.660% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 328 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.720% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 329 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.000% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| (redacted) | 330 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 331 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.270% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 332 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -6.960% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 333 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.270% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 334 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 335 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.530% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 336 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 7.920% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 337 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.780% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 338 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -11.540% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 339 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.090% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 340 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.560% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 341 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 342 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -14.170% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 343 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.050% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| (redacted) | 344 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.570% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| (redacted) | 345 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 346 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| (redacted) | 347 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 348 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 349 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| (redacted) | 350 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 351 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.770% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 352 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -5.950% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 353 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.190% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 354 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.860% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 355 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 356 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.220% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 357 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.480% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 358 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.410% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 359 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.770% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 360 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 361 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.980% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 362 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.100% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 363 (redacted) |  |  |  |  |  |  |  | 4.350% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.570% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 364 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -29.480% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 365 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.470% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 366 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.000% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| (redacted) | 367 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -9.620% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 368 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.420% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| (redacted) | 369 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 12.220% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 370 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 371 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 372 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 30.670% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 373 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.000% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 374 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 375 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.180% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 376 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.290% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 377 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.000% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 378 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 44.800% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 379 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 380 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.170% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 381 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 382 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 383 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.670% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 384 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.120% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 385 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.680% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 386 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 387 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 14.100% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 388 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 389 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.020% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 390 (redacted) |  |  |  |  |  |  |  | 8.700% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -63.700% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 391 (redacted) |  |  |  |  |  |  |  | 11.760% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  | -34.710% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 392 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.710% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 393 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.360% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 394 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 4.440% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 395 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.880% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 396 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 397 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.000% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 398 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.890% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| (redacted) | 399 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 400 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -4.200% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 401 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.480% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 402 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 403 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 404 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 5.710% |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 405 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.510% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 406 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.320% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 407 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.270% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 408 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.990% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 409 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.730% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 410 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.880% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 411 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 412 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 413 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 414 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 57.490% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 415 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 4.350% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 416 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.330% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| (redacted) | 417 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.090% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 418 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 24.740% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 419 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -19.900% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 420 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.360% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 421 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.860% |  |  | Appraisal |  |  |  |  |  | -7.300% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 422 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 28.080% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.080% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 423 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 424 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 425 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.870% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 426 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 427 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.770% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 428 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.330% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| (redacted) | 429 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 9.050% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 430 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 431 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.770% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 432 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.310% |  |  | AVM |  | 0.07 |  |  |  | 0.310% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 433 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.460% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 434 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.260% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| (redacted) | 435 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.290% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 436 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.870% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 437 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -9.180% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 438 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.170% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 439 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 65.960% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 440 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 51.540% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 441 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 442 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 89.450% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 443 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 444 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.920% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 445 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.980% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 446 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.000% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 447 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.260% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 448 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 449 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.090% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 450 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.930% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 451 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.080% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 452 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 21.900% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 453 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 454 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.250% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| (redacted) | 455 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.580% |  |  | Appraisal |  |  |  |  |  | 19.650% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 456 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.590% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| (redacted) | 457 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 458 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -15.160% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 459 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.960% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 460 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 461 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -37.500% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| (redacted) | 462 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.920% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 463 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 464 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 465 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 42.470% |  |  | Field Review |  |  |  |  |  | 42.470% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 466 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 25.710% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 467 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 468 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.410% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -4.740% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 469 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 470 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 471 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.750% |  |  | Desk Review |  |  | Moderate |  |  | -18.180% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 472 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 473 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 11.330% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 474 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 475 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.720% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 476 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.040% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 477 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.960% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 478 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.620% |  |  | AVM |  | 0.15 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 479 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 480 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | Appraisal |  |  |  |  |  | -20.810% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| (redacted) | 481 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.020% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 482 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.340% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 483 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.690% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 484 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.210% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| (redacted) | 485 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 486 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.700% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 487 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.950% |  |  | AVM |  | 0.07 |  |  |  | 0.970% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 488 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.050% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 489 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.800% |  |  | Field Review |  |  |  |  |  | -26.500% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.10 |
| (redacted) | 490 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.650% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 491 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 492 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -21.580% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 493 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.420% |  |  | Appraisal |  |  |  |  |  | 8.200% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 494 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| (redacted) | 495 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.130% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 496 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -2.060% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 497 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 498 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.050% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 499 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.050% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 500 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -55.280% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 501 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 16.000% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 502 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -60.380% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
| (redacted) | 503 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.330% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 504 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 505 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.900% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 506 (redacted) |  |  |  |  |  |  |  | 18.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| (redacted) | 507 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 508 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 10.150% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 509 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.860% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 510 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.330% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 511 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.040% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 512 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.640% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 513 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.390% |  |  | Field Review |  |  |  |  |  | -59.410% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 514 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.920% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| (redacted) | 515 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -39.530% |  | 0.07 |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 516 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -11.550% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 517 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 518 (redacted) |  |  |  |  |  |  |  | 15.260% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  | 13.680% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 519 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 3.280% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 520 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 521 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 522 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.560% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 523 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 7.220% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 524 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.070% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 525 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 526 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -7.670% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 527 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.250% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 528 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.640% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 529 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.280% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 530 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.540% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 531 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.660% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| (redacted) | 532 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 11.730% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 533 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.700% |  |  | Desk Review |  |  | Low |  |  | 0.470% |  | 0.012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 534 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.850% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| (redacted) | 535 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.410% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 536 (redacted) |  |  |  |  |  |  |  | 4.170% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 537 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -16.700% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 538 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -33.870% |  | 0.17 |  |  |  | 1.330% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 539 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -13.520% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 540 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.520% |  |  | AVM |  | 0.2 |  |  |  | 18.520% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 541 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -8.590% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 542 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 5.470% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 543 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -4.500% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 544 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -4.290% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| (redacted) | 545 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -28.470% |  |  | Field Review |  |  |  |  |  | -28.470% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 546 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 547 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.200% |  |  | Field Review |  |  |  |  |  | -33.330% |  | 0.17 |  |  |  | -0.200% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 548 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 549 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 550 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 551 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 552 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 32.670% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 553 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -8.870% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 554 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.680% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 555 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The review included a total of 43 newly originated residential mortgage loans, in connection with the securitization identified as BARC 2026-NQM5 (the "Securitization"). The Review was conducted from December 2025 through April 2026 on mortgage loans originated between November 2025 and February 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (43 loans in total):

Three (3) loans had a Secondary Appraisal, zero (0) loans had AVMs, and twenty-two (22) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

One (1) loan had a Field Review or BPO, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the forty-three (43) mortgage loans reviewed, twenty (20) unique mortgage loans (46.51% by loan count) had a total of twenty-six (26) different tape discrepancies across six (6) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 32 | $14629500.00 | 74.42% |
| Event Grade B | 11 | $10110200.00 | 25.58% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 43 | $24739700.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 36 | 83.72% |
| Event Grade B | 7 | 16.28% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 38 | 88.37% |
| Event Grade B | 5 | 11.63% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 43 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Other Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**70** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**33** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**44** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Barclays Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6727642 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | tax and insurance, not HOA |
| 6727633 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify total escrow of $XXX. |
| 6727661 | XXXXX | Originator Doc Type | XXX | XXX | Originator Doc Type confirmed using ULAW. |
| 6750279 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and ins - not HOA |
| 6758353 | XXXXX | Calculated DSCR | XXX | XXX | Confirmed the audit DSCR of XX/XX/XXXX which matches the initial underwriter's calculation on XXX |
| 6758325 | XXXXX | Calculated DSCR | XXX | XXX | DSCR is confirmed by market rents/PITI. Tape data value matches the DTI on the XXX which does not apply to DSCR. |
| 6758350 | XXXXX | Calculated DSCR | XXX | XXX | Confirmed the DSCR as XXX as per the income operating Statement |
| 6758329 | XXXXX | Calculated DSCR | XXX | XXX | confirmed DSCR XXX |
| 6758327 | XXXXX | Calculated DSCR | XXX | XXX | Confirmed the DSCR of XX/XX/XXXX with lock |
| 6758345 | XXXXX | Property Type | XXX | XXX | Confirmed the XXX as Condo as per the appraisal |
| 6758313 | XXXXX | Note Date | XXX | XXX | Per the final note the XXX reflects XX/XX/XXXX |
| 6758313 | XXXXX | Qualifying LTV | XXX | XXX | XXX reflect the LTC is XXX% property Valuation is not the same as the LTV |
| 6758315 | XXXXX | Note Date | XXX | XXX | Confirmed the Note reflects a date of XXX/XXX/XXX. |
| 6758315 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed the qualifying LTV of 14.29%. |
| 6758330 | XXXXX | Qualifying LTV | XXX | XXX | XXX |
| 6758330 | XXXXX | Calculated DSCR | XXX | XXX | Per file, but documents are missing |
| 6758321 | XXXXX | Qualifying LTV | XXX | XXX | XXX confirmed by Auditor LTV. |
| 6758334 | XXXXX | Note Date | XXX | XXX | Confirmed the XXX XX/XX/XXXX as per the Note |
| 6758334 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed the LTV of 49.3% as per the appraised property value |
| 6758334 | XXXXX | Calculated DSCR | XXX | XXX | Confirmed DSCR calculation as per the XXX |
| 6758322 | XXXXX | Qualifying LTV | XXX | XXX | LTV based on loan amount etc is XXX |
| 6758328 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed the LTV of 70.09% as per the appraised value |
| 6758323 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed the LTV of 7.85% as per the property appraised value |
| 6758323 | XXXXX | Calculated DSCR | XXX | XXX | Confirmed the DSCR calculations of XXX as per the XXX |
| 6758316 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed on LP approval in file and calculated from sales price, appraisal, and loan amount on Note. |
| 6758312 | XXXXX | Qualifying LTV | XXX | XXX | Confirmed the LTV of 80%. |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Barclays Loan ID** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 6727657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6727657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6727635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Provide the signed XXX with a copy of the appraiser license. | Document Uploaded. Please review the attached appraisal. | 12/18/2025 | Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 01/08/2026 | C B A |
| 6727635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application reflects the borrower lives at XXX for XXX years. Provide the amount of monthly rent, and XXX months cancelled checks (front/back) or bank Statements which consistently show payment made for rent amount. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 01/07/2026 | Lender exception approval - Ok per JJ for missing proof of rent payment history for last XXX months. Comp factors XXX DSCR, subject C3 condition, no negative credit whatsoever. | 01/08/2026 | C B A |
| 6727635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | The first XXX pages of the XXX appraisal are in the file. Provide the completed appraisal with all photos, maps, sketch, addendums and Statement of Limiting Conditions. | Please review the attached appraisal. ; Document Uploaded. Please review the appraisal. | 12/18/2025 | Full appraisal received. Condition cleared. | 12/19/2025 | C B A |
| 6727646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The Flood Cert provided is illegible. Provide a copy of the Flood Cert reflecting the subject address. | Please review the flood cert.; Document Uploaded. Please review the flood cert. | 01/07/2026 | Flood Certificate is fully present | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6727646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Borrower 1 SSN has been used in Death Benefit claim. Lender to clear alert. | The Fraud Report is reflecting the entity's EIN rather than the borrower's SSN. As a result, the alert is cleared as it is XXX | 01/07/2026 | All Fraud Report Alerts have been cleared or None Exist | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6727646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Provide a Certificate of Good Standing or equivalent document valid within XXX days of the closing date for the Entity. GL XX/XX/XXXX | Uploading COGS | 01/07/2026 | Active Entity Status document provided. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6727646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6727642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 79.41% exceeds Guideline HCLTV of 75% The Maximum HCLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | Uploading updated ULAW with comp factors | 01/27/2026 | Lender exception approval provided - Ok per JJ for 79.41% LTV/CLTV/HCLTV. Comp factors B1 S/E XXX yrs, B2 XXX same company XXX yrs, borrowers have owned property for XXX years.; Audited HLTV of 79.41% exceeds Guideline HCLTV of 75% The Maximum HCLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6727642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 79.41% exceeds Guideline LTV of 75% The Maximum CLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | Uploading updated ULAW with comp factors | 01/27/2026 | Lender exception approval provided - Ok per JJ for 79.41% LTV/CLTV/HCLTV. Comp factors B1 S/E XXX yrs, B2 XXX same company XXX yrs, borrowers have owned property for XXX years.; Audited LTV of 79.41% exceeds Guideline LTV of 75% The Maximum CLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6727642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 79.41% exceeds Guideline CLTV of 75% The Maximum CLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | Uploading updated ULAW with comp factors | 01/27/2026 | Lender exception approval provided - Ok per JJ for 79.41% LTV/CLTV/HCLTV. Comp factors B1 S/E XXX yrs, B2 XXX same company XXX yrs, borrowers have owned property for XXX years.; Audited CLTV of 79.41% exceeds Guideline CLTV of 75% The Maximum CLTV/LTV for a cash out refinance of a XXX condo with Fico XXX is XXX% | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6727642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6727642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6727633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The file does not contain documentation of verify the status of the business. Lender to provide the Certificate of Good Standing or equivalent to verify the status of XXX. | Uploading COGS. | 01/27/2026 | Business entity status document received. | 01/29/2026 | D A |
| 6727633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | D A |
| 6727661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Lender Approved Exception granted to allow to match pricing at XXX% @ Par with XXX LPC, <XXX% DTI, Im XXX - approved with loan amount over max = XXX - ok for XXX unit property XXX. And yes to accept XXX mortgage payments instead of XXX for this cash out refi. |  |  | Lender exception provided with comp factors: High fico and length of employment. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6727661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6727661 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6750282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report reflects XXX #XXX paid through XXX/XXX. The Mortgage Statement verified XX/XX/XXXX payment. Provide credit supplement to verify XX/XX/XXXX and XX/XX/XXXX payments were made. | Document Uploaded. Uploading proof of payments | 02/12/2026 | Housing History Meets Guideline Requirements | 02/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 65% A |
| 6750282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The CPA letter verified the borrower's ownership percentage in each business and expense ratio. Length of time the business's have been active was not provided. Provide verification the business's have been active minimum XXX years from third party. | Document Uploaded. Uploading additional CPA letter | 02/12/2026 | Lender provided addtl CPA letter dated XX/XX/XXXX with Length of time the business's have been active.; Income and Employment Meet Guidelines | 02/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 65% A |
| 6750282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | The borrower has XXX business's. Provide signed LOE stating name of each business, how it is set up, what their business does and the number of employees. | Document Uploaded. Uploading LOE | 02/12/2026 | Lender provided LOE for all three businesses. | 02/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 65% A |
| 6750282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 65% A |
| 6750282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 65% A |
| 6750273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The subject mortgage with XXX #XXX reported through XXX/XXX, Mortgage Statement reflects XX/XX/XXXX payment was made; but, the Note is dated XXX/XX/XXXX. The mortgage history over the previous XXX month is required, and expires at XXX days to date of closing. Provide proof of XX/XX/XXXX payment. | The property for this mortgage is a non-subject REO, per Sec XX/XX/XXXX we do not need to get ratings for other REOs that are not the subject. | 02/19/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6750281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The COC in file did not list a valid reason for the increase This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please review the COE.; Document Uploaded. On XXX/XX/XXXX, the underwriter reviewed and cleared the appraisal report, and the estimated fee was adjusted according to the approved invoice. We then disclosed the change on the same day. | 03/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The charge must be disclosed within XXX business day of receiving information sufficient to establish that a change has occurred or XXX business days of receiving knowledge of an increase in a previously disclosed amount provided the increase is supported by a valid reason for to support such a change. The timing commences upon receiving knowledge of the change. | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6750281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6750281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6750281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per first appraisal, mold has been detected. Mold inspection completed with remediations. Repair quote in file. Withhold of XXX reflected on Final CD and still reflected on PC CD with no indication that mold was rectified and water heater replacement completed. | Document Uploaded. Uploaded inspection report for clearance | 04/21/2026 | Documentation is sufficient. Inspection report with photos provided. Exception resolved.; The issue with the property has been resolved. | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6758344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender approved exception granted at time of origination to allow the use of the credit report for the mortgage history. Compensating factors: XXX Mortgage history, FICO XXX points above minimum, reserves greater than XXX months, LTV 10% under max allowed. | Please advise as to why this stayed as a XXX-Material with an approved exception. Should this be moved to a XXX-NonMaterial? | 03/05/2026 |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% D A |
| 6758344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% D A |
| 6758344 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% D A |
| 6758348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.72% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 75% A |
| 6758348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.72% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 75% A |
| 6758348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.72% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.72% is less than Guideline CLTV of 75% A |
| 6758353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower has been qualified using XXX bank accounts. The XXX acct# XXX reflects a large deposit for XXX on XXX which is notated as "XXX Sale". Per Final 1003, the borrower does own a property at XXX; however, there is no documentation to support the source of this deposit (ie settlement Statement for refinance or sale of REO). Without these funds sourced, the borrower would not meet reserve requirements. | Document Uploaded. | 02/23/2026 | Asset Qualification Meets Guideline Requirements; Client provided LOE stating: XXX, XXX, XXX was sold on XX/XX/XXXX. The Settlement Statement was provided reflecting XXX Due to seller/borrower. LM Updated. | 02/24/2026 | D A C |
| 6758325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing There are not title searches, commitments, or supplements in file. | Document Uploaded. | 02/23/2026 | Title Document is fully Present; Client provided Commitment for Title. LM Updated. | 02/24/2026 | D A |
| 6758325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The subject transaction is a purchase of a non-owner occupied SFR under the DSCR program which requires the Business Purpose Affidavit. The required disclosure has not been provided. | Document Uploaded. | 02/23/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Occupancy Certification reflecting Investment Property Only. LM Updated. | 02/24/2026 | D A |
| 6758325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/20/2026 | D A |
| 6758350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | A |
| 6758350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | A |
| 6758350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | A |
| 6758351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 list assets of XXX with XXX checking account number XXX The loan file did not contain these assets; however, the assets provided were with XXX #XXX with a balance of $XXX. The loan file is missing the Final 1003 with the correct assets listed. | Document Uploaded. | 02/25/2026 | The Final 1003 is Present; Client provided XXX months Statements for XXX checking account number XXX LM Updated. | 03/27/2026 | D A |
| 6758351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. The final application was changed and initial by the borrower reflecting borrower is a Permanent Resident Alien. The lender's guidelines require one of the following: XX/XX/XXXX Permanent Resident Card that does not have an expiration date on the back, XX/XX/XXXX Permanent Resident Card that is issued for XXX years that has not expired, I-XXX Conditional; Permanent Resident Card issued for two year that has an expiration date, if it is accompanied by a copy of the USCIS form I-XXX requesting removal of conditions or un-expired Foreign Passport that contains an un-expired stamp reading as follows: Processed for I-XXX Temporary Evidence of Lawful Admission for Permanent Residence. Valid until (mm-dd-yy). Employment Authorized." | Document Uploaded. | 02/25/2026 | Borrower Identification Document provided.; Client provided Corrected Page XXX of the 1003 reflecting the Borrower as U. Citizen. LM Updated. | 02/27/2026 | D A |
| 6758351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | D A |
| 6758351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | D A |
| 6758336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA - PA (FM-XXX-CA) declared on XXX/XX/XXXX, no comments from the appraiser regarding this. | The appraisal was completed on XX/XX/XXXX - ~XXX months after the disaster declaration provided below. If there was damage related to the disaster, this would have been called out in the appraisal completed. Why is commentary needed ~XXX months after the fact? | 03/02/2026 | Client States: The appraisal was completed on XX/XX/XXXX - ~XXX months after the disaster declaration provided below. If there was damage related to the disaster, this would have been called out in the appraisal completed. Why is commentary needed ~XXX months after the fact? Verified. LM Updated.; FEMA Post Disaster Inspection report was provided. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6758335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6758335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6758329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.61% is less than Guideline LTV of 80% A |
| 6758329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.61% is less than Guideline LTV of 80% A |
| 6758329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.61% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.61% is less than Guideline LTV of 80% A |
| 6758327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The lender's guidelines State all loans within the DSCR program must be non-owner occupied and for a business purpose. The loan file is missing the Business Purpose Affidavit/Disclosure. | Document Uploaded. | 03/02/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Occupancy Certification reflecting Investment Property/Business Purpose. LM Updated. | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.56% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCOM2727 | Credit | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | The loan file contained the borrowers bank Statements for XXX #XXX reflecting a wire on XX/XX/XXXX in the amount of XXX The loan file also contained an incoming wire dated XX/XX/XXXX for XXX for the title company. This deposit money was for XXX properties being purchased. The CD, dated XX/XX/XXXX reflects a file number of XXX and the incoming wire details reflect a transfer of XXX for file number XXX; however, the CD does not reflect a credit for the XXX in deposit funds. | Document Uploaded. | 03/03/2026 | Client provided PCCD reflecting XXX deposit to XXX. LM Updated. | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.56% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.56% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.56% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.56% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is required and was not available at the time of review. | Document Uploaded. This was located on page XXX of the file provided to you. | 03/02/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud Report for both Borrowers. LM Updated. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement is required and was not available at the time of review. | The note was signed by XXX & XXX as two individuals - and XXX as a managing member. All XXX signatures are in their own capacity - with one as an entity. As such, the separate personal guarantee is not required. | 03/02/2026 | Personal Guaranty provided.; Client States: The note was signed by XXX & XXX as two individuals - and Irene as a managing member. All XXX signatures are in their own capacity - with one as an entity. As such, the separate personal guarantee is not required. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The lender's guidelines require credit inquiries reported within XXX days of the application date to be addressed by the borrower(s) with an letter of explanation. If new credit was extended, a new credit report and score that includes the new debt is required. B1's credit report reflected the following inquiries which did not result in credit on the existing credit report: XX/XX/XXXX FACTUAL DATA and B2's XX/XX/XXXX FACTUAL DATA, XX/XX/XXXX FARM CREDIT OF THE V. The loan file was missing letters of explanation. | The application date on this loan is XX/XX/XXXX - The XX/XX/XXXX inquiry is outside the XXX day window. | 03/02/2026 | Client States: The application date on this loan is XX/XX/XXXX - The XX/XX/XXXX inquiry is outside the XXX day window. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing The appraisal reflects the property is an attached PUD but a PUD Rider to the Mortgage was not provided. |  |  | The PUD Rider is Present or is Not Applicable (Property Type is Townhouse) | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The title commitment reflects insufficient title insurance coverage at $XXX. The policy must be issued at no less than the full loan amount of XXX to meet the GL requirements and ensure adequate protection to Lender's security interest. | Acknowledged | 03/02/2026 | ; Acknowledged. Accepting 2/B grading | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-bsuiness days prior to the consummation date is required, but missing f rom the file. | Acknowledged | 03/02/2026 |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The loan file contained XXX; however, the loan amount is reflected as XXX and the Note and CD reflects the loan amount of XXX Due to the wrong loan amount, the principal and interest payment and the qualifying ratios are incorrect. | Acknowledged | 03/02/2026 | Acknowledged. Accepting 2/B grading; Client States: Acknowledged. | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | The lender's guidelines require a Business Narrative to be provided including the following: Description of Business/Business Profile, Location and Associated Rents, Number of Employees/ Contractors, Estimated Cost of Goods Sold if any, Materials/Trucks/Equipment and Commercial or Retail Client Base. The loan file contained a Business Narrative; however, all required items above were not included. Missing Materials/Trucks/Equipment and Commercial or Retail Client Base. | Business narrative did not include all of the items listed in guidelines since they did not appear to apply to this type of business per the actual information provided on the narrative form. Narrative form provided shows as n/a for the items noted (pg XXX) | 03/02/2026 | Client States: Business narrative did not include all of the items listed in guidelines since they did not appear to apply to this type of business per the actual information provided on the narrative form. Narrative form provided shows as n/a for the items noted (pg XXX). Verified. LM Updated. | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.88% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.88% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Need Access Letter from XXX #XXX Under XXX, not on the loan | Letter is only required when using non borrowing spousal accounts. This is a jointly owned account with the borrower and spouse listed as owners. product profile says to follow standard GSE rules. | 03/02/2026 | Client States: Letter is only required when using non borrowing spousal accounts. This is a jointly owned account with the borrower and spouse listed as owners. product profile says to follow standard GSE rules. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6758354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6758354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6758340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Fraud Report, dated XX/XX/XXXX, reflects XXX high alerts for possible match found on SAM ov for appraiser, service processor and loan processor and possible match found on Freddie Mac Exclusionary List for Service Processor and Loan Processor. The loan file did not contain any documentation reflecting these were cleared. | Party listed on the Watch Llist has a common name, XXX and they are an employee of the lender. It would be safe to assume that the lender has already vetted their employees against any unacceptable parties | 03/02/2026 | All Fraud Report Alerts have been cleared or None Exist; Client States: Party listed on the Watch Llist has a common name, XXX and they are an employee of the lender. It would be safe to assume that the lender has already vetted their employees against any unacceptable parties. LM Updated. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The lender's guidelines require a new credit report and score if new credit was extended from a credit inquiry listed on the report. The loan file contained the original credit report dated XX/XX/XXXX which reflected an inquiry from XXX on XXX/XX/XXXX. The loan file contained a supplement reflecting a new XXX account #XXX; however, the loan file did not contain a new credit report with a new credit score. | We disagree with the guideline interpretation. New credit scores are not mandatory in every instance of new debt, but they must be evaluated if they are generated during the verification process. A credit supplement to document the new account was provided, which did not generate new scores. | 03/02/2026 | Borrower 1 Credit Report is not partially present.; Client States: We disagree with the guideline interpretation. New credit scores are not mandatory in every instance of new debt, but they must be evaluated if they are generated during the verification process. A credit supplement to document the new account was provided, which did not generate new scores. LM Updated. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount Fee on the CD issued XXX/XX/XXXX. The loan file does not contain a valid COC for the increase of the fee. | Document Uploaded. | 03/12/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 03/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. | 03/12/2026 | Title Document is fully Present; Client provided Commitment for Title for the subject property. LM Updated. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Lender to provide a Bank Statement Lender Income calculations sheer missing on file | Document Uploaded. | 03/12/2026 | Client provided XXX Bank Statement calculation worksheet. LM Updated. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Acknowledged | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | Approved lender exception granted at time of origination to waive the requirement for the XXX as no rental income was used to qualify. Compensating factors: FICO XXX points above minimum and LTV 10% under max allowance. | Please adjust the grade to XXX - Non Material due to the approved SLE. | 03/12/2026 | Approved lender exception granted at time of origination to waive the requirement for the XXX as no rental income was used to qualify. Compensating factors: FICO XXX points above minimum and LTV 10% under max allowance. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | The lender's guidelines require the Tax Identification Number. The loan file is missing the Tax Identification Number for Figure XXX. | Document Uploaded. | 03/12/2026 | Client provided evidence of Figure XXX XXX EIN XXX-XXX. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 and XXX reflects assets totaling XXX The loan file contains the XXX checking #XXX and XXX checking #XXX with total assets of $XXX. The loan file did not contain assets with XXX XXX and XXX XXX Missing Final 1003 with correct assets. | Document Uploaded. | 03/12/2026 | The Final 1003 is Present; Client provided Corrected 1003 reflecting actual assets. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for large deposit(s) | Document Uploaded. | 03/12/2026 | Client provided LOE from Borrower stating: Regarding income into the XXX & XXX checking accounts: XXX% of those deposits are from business related and / or real eState ventures that I have been invested in for years. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The lender's guidelines require a title policy or attorney opinion letter meeting all of Fannie Mae's requirements. The loan file is missing the title policy or attorney opinion letter. | Document Uploaded. | 03/12/2026 | Title Document is fully Present; Client provided Commitment for Title and Chain of Title. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy The Flood Cert reflects property is in VE Zone. The XXX reflects supplemental property insurance of XXX per month; however, the loan file does not contain the Flood Insurance policy. | Document Uploaded. | 03/12/2026 | Flood Insurance Policy is fully present; Client provided Flood Insurance Policy Declarations. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require the housing payment history for all REO's and rental payments evidencing the payment activity for the most recent XXX months, regardless of whether the borrower/guarantor is on the note or vested on title, and must reflect XXX and XXX for all REO's and rental payments. The 1003 reflects the subject loan has a mortgage with Towne Bank #XXX with an unpaid balance of XXX and line amount of XXX The payoff reflects #XXX is with HomeTrust Bank with a balance of $XXX. The loan file also contains a Hold Harmless Agreement reflecting the borrower is liable on the HomeTrust Bank loan with an original amount of XXX The loan file is missing the verification of mortgage on the subject property. | Document Uploaded. | 03/12/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Client provided email from XXX stating: Per our conversation, I can confirm that the last XXX months of payments have been made by XXX by automatic draft, Payment History for #XXX and Customer Loan history for #XXX. LM Updated. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 14.29% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. LCA score is XX/XX/XXXX and therefore a secondary product is not required. | 03/12/2026 | Third party valuation product provided within tolerance.; Client provided Freddie Mac SSR. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. | Please see attached - Note begins on pg XXX S. begins on page XXX | 03/12/2026 | The 1-4 Family Rider is Present; Client provided True and Certified copy of Deed of Trust, 1-4 Family Rider and Prepayment Rider. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. | 03/12/2026 | Title Document is fully Present; Client provided Commitment for Title. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. | Please see attached - Note begins on pg XXX S. begins on page XXX | 03/12/2026 | The Note is Present.; Client provided Executed Note. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | Document Uploaded. Please see attached - Note begins on pg XXX S. begins on page XXX | 03/12/2026 | The Deed of Trust is Present; Client provided True and Certified copy of Deed of Trust, 1-4 Family Rider and Prepayment Rider. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.55% is less than Guideline LTV of 80% D A |
| 6758332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | A |
| 6758332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | A |
| 6758332 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property. However, missing verification of HOA Dues | The underwriter left the XXX in the LOS because it was greater than the XXX reflected on the appraisal and ALTA (HOA Assessments for 1st half - XXX total). The borrower qualified with the greater amount. | 03/23/2026 | Client States: The underwriter left the XXX in the LOS because it was greater than the XXX reflected on the appraisal and ALTA (HOA Assessments for 1st half - XXX total). The borrower qualified with the greater amount. LM Updated. | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. File is missing Assets XXX in gift funds |  |  | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) File is missing Assets XXX in gift funds |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. File is missing Assets XXX in gift funds | Document Uploaded. | 03/12/2026 | Funds are found to meet guidelines.; Client provided Gift letter from XXX XXXXX and XXX XXXXX both in the amount of XXX LM Updated. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE1964 | Credit | Missing income documentation | Missing Executed Award Gift Letters in the amount of XXX | Document Uploaded. | 03/12/2026 | Client provided Gift letter from XXX XXXXX and XXX XXXXX both in the amount of XXX LM Updated. | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6758334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score XX/XX/XXXX | Document Uploaded. LCA risk score is XX/XX/XXXX - secondary value not required. | 03/18/2026 | Third party valuation product provided within tolerance.; ; Corrected data point for UCDP FHLMC to reflect Relief Eligible as per document in the loan file vs. not eligible which resolved the exception. Condition Rescinded. | 03/31/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 80% D A |
| 6758334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The title document was not available at the time of review, preventing verification of ownership, vesting, liens, and clear lien position. | Document Uploaded. | 03/12/2026 | Title Document is fully Present; Client provided Commitment for Title. LM Updated. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 80% D A |
| 6758334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.3% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.3% is less than Guideline LTV of 80% D A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified There are no income documents in file. | Are these waterfall conditions being cleared? | 03/20/2026 | ATR: Current Employment Was Verified; Received trailing docs: Transfers allowed due to clear identification of where they are from. Audit income slightly differs due to exclusion of XXX Insurance refund on XXX. Exception Resolved. | 03/23/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered There are no income documents in file. | Are these waterfall conditions being cleared? | 03/20/2026 | ATR: XXX Income or Assets Was Considered; Received trailing docs: Transfers allowed due to clear identification of where they are from. Audit income slightly differs due to exclusion of XXX Insurance refund on XXX. Exception Resolved. | 03/23/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File approved with XXX mos business bank Statements, file contains only one month XXX #XXX for XXX/XX/XXXX-XXX/XX/XXXX. provide missing XXX months and income calculator. | See prior upload for the bank Statements. | 03/18/2026 | Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Received trailing docs: Transfers allowed due to clear identification of where they are from. Audit income slightly differs due to exclusion of XXX Insurance refund on XXX. Exception Resolved.; Income and Employment Do Not Meet Guidelines Received trailing docs: Transfers allowed due to clear identification of where they are from. Audit income slightly differs due to exclusion of XXX Insurance refund on XXX. Exception Resolved.; Received XXX months business bank Statements resulting in income of XXX per month. Lender income wksht included transfers from CCAP/Child Care Assistance Program and DSHS HCCLAIM/Public Assistance as these are allowed deposits. Provide conclusive evidence that the source of these transfers is business related income as required by Guidelines. Additionally, the lender worksheet omitted XXX deposits and narrative States and LOX is required. Guidelines indicate ; Income and Employment Do Not Meet Guidelines Received trailing docs: Transfers allowed due to clear identification of where they are from. Audit income slightly differs due to exclusion of XXX Insurance refund on XXX. Exception Resolved. | 03/23/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing File approved with XXX mos business bank Statements, file contains only one month XXX #XXX for XXX/XX/XXXX-XXX/XX/XXXX. provide missing XXX months and income calculator. | Document Uploaded. | 03/18/2026 | Borrower 1 Business Bank Statements Provided | 03/23/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. | 03/18/2026 | Photo Identification provided. Exception Resolved. | 03/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.87% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV product was not within scope | Document Uploaded. | 03/18/2026 | Third party valuation product provided within tolerance. Exception Resolved. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758328 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6758323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not provided at the time of review. | Document Uploaded. | 03/19/2026 | Personal Guaranty provided for both borrowers/members. Exception Resolved; Missing Personal Guaranty. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Rescinded | FCRE5123 | Credit | Missing Business Entity Formation Document | EIN is missing | Document Uploaded. This literally says Employer Identification Number.; This is shown on page XXX of the operating agreement. | 03/19/2026 | Operating Agreement in the file XXX reflects the EIN. Exception Rescinded. ; Operating agreement, pg XXX of XXX does not show EIN. | 03/19/2026 | D A |
| 6758323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6758316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required, cure requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The lender credit decreased violation of XXX is due to the decrease that occurred on XX/XX/XXXX without a valid COC in file | Document Uploaded. ; Document Uploaded. | 04/08/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The COC provided did not contain a valid reason for the lender credits to decrease | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6758316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without proof of receipt it is assumed that the disclosure dated XX/XX/XXXX was mailed and therefore not received by the borrower XXX business days prior to closing date XXX/XX/XXXX. The cure can be cleared by providing proof showing the borrower received the loan estimated at least XXX business days prior to closing | Document Uploaded. | 03/19/2026 | Revised LE receipt date provided; exception resolved ; Revised LE receipt date provided; exception resolved | 03/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6758316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception, document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to closing, but does not confirm the borrower received the appraisal at or prior to closing. Provided documentation to show the date the borrower received the appraisal to confirm it was received by the borrower |  |  | Acknowledged, accepting 2/B grading | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6758316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6758316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The lender's guidelines require credit inquiries listed on the report within XXX days of the application date to be addressed with a letter of explanation. If no credit was extended, the borrower must State the purpose of the inquiry. If new credit was extended, the borrower must provide documentation on the current balance and payment and a new credit report and score that includes the new debt is required. The credit report dated XX/XX/XXXX reflects XXX inquiries other than for the subject loan. XX/XX/XXXX XXX and XX/XX/XXXX XXX. The credit report reflects the new account with XXX. The loan file was missing the information on the XX/XX/XXXX XXX inquiry. | Document Uploaded. | 03/31/2026 | Client provided LOE stating: No new debt. LM Updated. | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The lender's guidelines require an internet search of the business to be included in the credit file to support the Business Narrative. Underwriter certification (or notation on the XXX) if there are not returns when attempting an internet search. The loan file is missing the internet search and the XXX does not reflect any notes on attempting the search. | Document Uploaded. | 03/19/2026 | Received Internet search. Exception Resolved. | 03/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Rescinded | FCRE1964 | Credit | Missing income documentation | The lender's guidelines require a Business Narrative which must include details relating to the size/score and operating profile of the business, including the following: Description of Business/Business Profile, Location and Associated Rent, Number of Employees/Contractors, Estimated Cost of Goods Sold if any, Materials/Trucks/Equipment, and Commercial or Retail Client Base. The loan file contained the XXX Business Narrative Form; however, the form was missing the associated rent question. | The business address is the subject property - there is no associated rent. | 03/19/2026 | The Business Narrative form reflects the business location and associated rent as the subject property which is the borrower's primary residence and no rent payment required. Exception Rescinded. | 03/19/2026 | D B A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FCOM1228 | Credit | Other Rider is Missing | The Mortgage reflects an Other Rider/Renewal and Extensions. The loan file is missing this rider. | Document Uploaded. | 03/19/2026 | Received Renewal and Extensions Rider. Exception Resolved. | 03/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer at or prior to consummation date XXX/XX/XXXX. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report in a timely manner. |  |  | Acknowledged, accepting 2/B grading | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6758312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6750267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6750265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| **Barclays Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 6727657 | XXXXX |  | $XXXXXX A |
| 6727635 | XXXXX |  | $XXXXXX C A B |
| 6727646 | XXXXX |  | $XXXXXX D A |
| 6727642 | XXXXX |  | $XXXXXX C A B |
| 6727633 | XXXXX |  | $XXXXXX D A |
| 6727661 | XXXXX |  | $XXXXXX C A B |
| 6750282 | XXXXX |  | $XXXXXX D A |
| 6750273 | XXXXX |  | $XXXXXX C A |
| 6750279 | XXXXX |  | $XXXXXX A |
| 6750281 | XXXXX |  | $XXXXXX A C B |
| 6758344 | XXXXX |  | $XXXXXX D A B |
| 6758348 | XXXXX |  | $XXXXXX A |
| 6758353 | XXXXX |  | $XXXXXX A |
| 6758325 | XXXXX |  | $XXXXXX D A |
| 6758350 | XXXXX |  | $XXXXXX A |
| 6758351 | XXXXX |  | $XXXXXX D A |
| 6758336 | XXXXX |  | $XXXXXX A D |
| 6758335 | XXXXX |  | $XXXXXX A |
| 6758329 | XXXXX |  | $XXXXXX A |
| 6758327 | XXXXX |  | $XXXXXX D A |
| 6758345 | XXXXX |  | $XXXXXX D A |
| 6758352 | XXXXX |  | $XXXXXX D A |
| 6758338 | XXXXX |  | $XXXXXX B A |
| 6758339 | XXXXX |  | $XXXXXX D A B |
| 6758358 | XXXXX |  | $XXXXXX D A |
| 6758354 | XXXXX |  | $XXXXXX A |
| 6758340 | XXXXX |  | $XXXXXX A |
| 6758359 | XXXXX |  | $XXXXXX C A |
| 6758313 | XXXXX |  | $XXXXXX D C A |
| 6758315 | XXXXX |  | $XXXXXX D A B |
| 6758330 | XXXXX |  | $XXXXXX D A C |
| 6758332 | XXXXX |  | $XXXXXX A |
| 6758321 | XXXXX |  | $XXXXXX D B A |
| 6758334 | XXXXX |  | $XXXXXX D A |
| 6758322 | XXXXX |  | $XXXXXX D A |
| 6758328 | XXXXX |  | $XXXXXX A C |
| 6758323 | XXXXX |  | $XXXXXX D A |
| 6758316 | XXXXX |  | $XXXXXX A C B |
| 6758312 | XXXXX |  | $XXXXXX D B A |
| 6750267 | XXXXX | XXXXX | $XXXXXX A |
| 6750268 | XXXXX | XXXXX | $XXXXXX A |
| 6750266 | XXXXX | XXXXX | $XXXXXX A |
| 6750265 | XXXXX | XXXXX | $XXXXXX A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| **Barclays Loan ID** | **Seller Loan ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 6727657 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX |  | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6727635 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6727646 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6727642 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | Yes | 200 | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6727633 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6727661 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 360 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750282 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750273 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750279 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6750281 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 20 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758344 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758348 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758353 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758325 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758350 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758351 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758336 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 49.00 | 51.00 |  |  | Yes | Yes | 410 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758335 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 25 | Business | 100.00 |  | 25 |  | 50.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758329 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758327 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758345 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6758352 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758338 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | 100.00 |  |  |  | No | Yes | 0 | Yes | 139 | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758339 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  |  |  |  |  | Yes | Yes | 35 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758358 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758354 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758340 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6758359 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758313 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758315 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Personal | 100.00 | 13 |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758330 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758332 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758321 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | 100.00 |  |  |  | Yes | Yes | 97 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758334 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758322 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | 33 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758328 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758323 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758316 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6758312 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750267 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750268 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750266 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6750265 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Barclays Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 6727657 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6727635 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6727646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 6727642 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.41 | 79.41 | $XXX | $XXX | -.0578 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0578 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 6727633 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 6727661 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 89.23 | 89.23 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6750282 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.63 | 50.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0854 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6750273 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.26 | 74.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 6750279 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 6750281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.83 | 62.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0052 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 6758344 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 6758348 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.72 | 55.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758353 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758325 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 6758350 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.91 | 64.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 6758351 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.14 | 67.14 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk Additional | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6758336 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.3 | 41.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6758335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6758329 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.25 | 58.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758327 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.56 | 57.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6758345 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 38.17 | 38.17 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6758352 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758338 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.0 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 6758339 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.88 | 72.88 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6758358 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758354 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6758340 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758359 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.14 | 57.14 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6758313 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758315 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 14.29 | $XXX | $XXX | -.0357 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0357 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6758330 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.55 | 54.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 6758332 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.54 | 61.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6758321 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.3 | 49.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6758322 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.87 | 54.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758328 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.09 | 70.09 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6758323 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.85 | 73.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6758316 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6758312 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 6750267 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6750268 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6750266 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6750265 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](tm2613835d1_ex99-3img001.jpg)

---

| |
|:---|
| **April 28, 2026** |
| **Due Diligence Narrative Report** |

---

![](tm2613835d1_ex99-3img002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **ApPendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 1 April 28, 2026

![](tm2613835d1_ex99-3img003.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](tm2613835d1_ex99-3img01.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](tm2613835d1_ex99-3img01.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**Overview**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 32 residential loans.

Sutton Fuding LLC subsequently purchased these loans via reliance letter and selected them for the BARC 2026-NQM5 transaction. The loans referenced in this narrative report were reviewed on a flow basis from 12/2025 through 02/2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 32 | 100.00% |
| **Total** | **32** | **100.00%** |

---

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 2 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of a credit review, property valuation review, a regulatory compliance review and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;32 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;32 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;26 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;32 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originatiors to Clayton to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 3 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (32 loans) <br>
Clayton applied a cascade methodology
to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans
were held to a -10% tolerance utilizing the following waterfall:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score 2.5 or less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

For further detail please refer to the BARC 2026-NQM5 Valuations Summary Report.

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 4 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 5 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

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

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 6 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

Data Integrity

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided Sutton Funding LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review in relation to the 32 loans reviewed. The population was purchased on reliance letter.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;&nbsp;Product Type | 19 | 40.63% |

---

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 7 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

**Clayton Due Diligence Results**

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 23 |  | 3 | 3 | **29** |
| **Final** | **B** |  |  | 1 | 2 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **23** | **0** | **4** | **5** | **32** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 25 |  | 2 | 3 | **30** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **25** | **1** | **2** | **4** | **32** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 32 |  |  |  | **32** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **32** | **0** | **0** | **0** | **32** |

---

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 8 April 28, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 23 |  | 1 | 1 | **25** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **23** | **0** | **2** | **1** | **26** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (6 loan in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Stanadrd Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Waived Conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. 15E Form

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 9 April 28, 2026

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**ApPendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 10 April 28, 2026

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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;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 11 April 28, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 12 April 28, 2026

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**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

- FNMA 2860 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

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

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

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 13 April 28, 2026

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

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 14 April 28, 2026

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E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 15 April 28, 2026

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 16 April 28, 2026

![](tm2613835d1_ex99-3img003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 17 April 28, 2026

![](tm2613835d1_ex99-3img003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 18 April 28, 2026

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

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

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

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

---

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

---

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

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

---

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

---

**C.** **Anti-Predatory** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 19 April 28, 2026

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**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

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

---

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 20 April 28, 2026

![](tm2613835d1_ex99-3img002.jpg)

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

BARC 2026-NQM5 Due Diligence Narrative Report Page \| 21 April 28, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | **Barclays** |
| **Client Project Name:** | **BARC 2026-NQM5** |
| **Start - End Dates:** | **12/18/2025 - 2/25/2026** |
| **Deal Loan Count:** | **32** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *32* |
| ***Loans with Conditions:*** | *9* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing signed 1003 | 12/30/2025 client provided Final 1003 | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Missing signed 1003 | 12/30/2025 client provided Final 1003 | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide signed/executed Closing Package.Provide executed Note. | 12/30/2025 client provided Closing Package | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | After Closing Package was provided, the Mortgage, Assignment of Rents and Security Agreement are undated on Page 1. Provide dated document. | 12/31/2025 client provided corrected document | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing signature on legal docs, loan agreement, note, deed, guaranty. | 12/30/2025 client provided Closing Package | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Provide signed/executed Closing Package.Provide executed Mortgage to include signed/dated Notary to Mortgage.Provide executed Guaranty. | 12/30/2025 client provided Closing Package | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727630 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV 70% with a 656 score. Lender exception on file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $91,503.33 or 81.45 months PITI, guidelines do not require Reserves. |
| 6727645 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 709 FICO score. Minimum required 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has resided in current residence for 4 years. |
| 6727648 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation to support B1 is a US citizen. Social Security Card provided in file reflects SSN is valid for work only with DHS Authorization. | 01/29/2026 client provided US passports | 01/29/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified from loan proceeds $132,177.15. CTC $0.00 leaves reserves of $132,177.15 or 29.16 mos. Reserves required 6 mos. for exception<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.05% is < the maximum DTI of 50%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Previous mortgage for the subject property was reviewed for 81 months with 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 693 is > the minimum credit score of 660. |
| 6727640 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.43% is below max LTV of 75%. |
| 6727639 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject investment property for 20 years. |
| 6727647 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.11% is < the maximum LTV of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is > the minimum credit score of 620. |
| 6727653 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 674 is > the minimum credit score of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $127,568.85. CTC $0.00 leaves reserves of $127,568.85 or 97.13 mos. Reserves required 24 mos. |
| 6750269 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide signed Final Settlement Statement | 01/08/2026 client provided Signed Final Settlement Statement | 01/08/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 47.95% and guidelines allow the HCLTV to be 60%. |
| 6727658 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 677 FICO score. Minimum required 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Three Open mortgages paid at 0 x 30. |
| 6750270 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 6 years 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 40.32% and guidelines allow the HCLTV to be 60% |
| 6750271 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is > the minimum credit score of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.43% is < the maximum DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 8 years and 11 months. |
| 6727628 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 70% |
| 6750272 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITIA for XXX XXX Unit XXX and proof of rental income for $5325. | 2/23/26-Document Uploaded. Uploading 1st payment letter and 1007 | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 720 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.43% is below max LTV of 70%. |
| 6727629 | XXXXXX | DC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current primary.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No mortgage lates on credit report. |
| 6750274 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV 42.73%, max 70% for STR/condotel.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 6750275 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the primary residence for 12 years |
| 6727659 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660. File credit score 694. |
| 6727644 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $1,249,111.78. CTC $49,323.14 leaves reserves of $1,199,788.64 or 620.39 mos. |
| 6727636 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 60% / Max LTV 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 643 exceeds min score requirement of 640. |
| 6727656 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $192,879.17 or 25.32 months PITI, guidelines required 0 months PITI.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 11 years and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying score. Min required per guidelines is 740. |
| 6750276 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 8 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 16.13% and guidelines allow the HCLTV to be 60%. |
| 6750277 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $4,938,838,15. CTC $260,677.58 leaves reserves of $4,678,160.57 or 1,154 months. Reserves required 06 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive. |
| 6750278 | XXXXXX | UT | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE for Borrower XXX XXX within 72 hours of Funding. | 2/24/26- VVOE uploaded for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 12 years 4 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $33,267.51/$2,503.97 PITIA = 13.29-months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 9 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 74.99% and guidelines allow the HCLTV to be 80%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 10 years 11 months |
| 6727641 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X75<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 11 years 9 months. |
| 6727651 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Documentation | Satisfied C A | CMPDOC101 | Unresolved title issue | No | The title commitment reflects a Mortgage from B1 to XXX XXX XXX dated XXX and required evidence of release of that lien. However, the Warranty Deed to B1 dated the same time does not verify that the mortgage was release. | 01/27/2026 client provided Satisfaction of lien | 01/27/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 13 years.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reduced the PITI payment from $5,009.00 to $4,567.83 which is a monthly savings of $441.17.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 74.99% and guidelines allow the HCLTV to be 80% |
| 6750280 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD to include proof of receipt. | 1.12.26-Client provided Initial CD issued & e-signed xx/xx/xx. | 1.12.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 13 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 156 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.78%; guidelines allow 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.97% is below the guideline minimum of 50.49%. |
| 6750280 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD to include proof of receipt. | 1.12.26-Client provided Initial CD issued & e-signed xx/xx/xx. | 1.12.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 13 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 156 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.78%; guidelines allow 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.97% is below the guideline minimum of 50.49%. |
| 6750280 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD to include proof of receipt. | 1.12.26-Client provided Initial CD issued & e-signed xx/xx/xx. | 1.12.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 13 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 156 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.78%; guidelines allow 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.97% is below the guideline minimum of 50.49%. |
| 6750280 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit score 590 is below the minimum required of 600. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 13 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 156 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.78%; guidelines allow 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.97% is below the guideline minimum of 50.49%. |
| 6750283 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Deed changing vesting from LLC to borrowers as individuals | 2/23/26- Deed uploaded for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70%. Subject's LTV IS 65.58%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score for program is 640. Borrowers credit score is 782 |
| 6750283 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title Commitment provided shows property vesting in the name of XXX XXX XXX. Deed/Note all signed by borrower's as individuals | 2/23/26- Client uploaded warranty Deed for review2/23/26- Still missing updated title to confirm vesting- Exception remains2/24/26- XXX considers the warranty deed sufficient evidence of vesting and does not require further documentation. | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70%. Subject's LTV IS 65.58%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score for program is 640. Borrowers credit score is 782 |
| 6727638 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years at profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.18 IS BELOW MAX OF 50%. |
| 6727634 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX - employed for 10 years |
| 6727643 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file expiration date XXX changes to XXX due to no proof of receipt for Final CD issued XXX.Provide proof of receipt for Final CD issued XXX. | 2.9.26-Client provided Initial CD issued & e-signed XXX and Final CD issued & e-signed XXX. | 2.9.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX-employed for 6 years 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit To Borrower: Reduced the PITIA from $8,807.73 to $7,848.42 which is a $959.31 monthly debt reduction |
| 6727643 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Waived B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR in file expiration date XXX changes to XXX due to no proof of receipt for Final CD issued XXX.Provide proof of receipt for Final CD issued XXX. | 2.2.26-Client requested to change the Status from Open/Active to Waive/Closed. | 2.2.26-Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX-employed for 6 years 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit To Borrower: Reduced the PITIA from $8,807.73 to $7,848.42 which is a $959.31 monthly debt reduction |
| 6727643 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for Initial CD issued XXX at least 3 business days prior to closing. | 2.9.26-Client provided Initial CD issued & e-signed XXX and Final CD issued & e-signed XXX. | 2.9.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX-employed for 6 years 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit To Borrower: Reduced the PITIA from $8,807.73 to $7,848.42 which is a $959.31 monthly debt reduction |
| 6727643 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Initial CD issued XXX at least 3 business days prior to closing. | 2.9.26-Client provided Initial CD issued & e-signed XXX and Final CD issued & e-signed XXX | 2.9.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX-employed for 6 years 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Benefit To Borrower: Reduced the PITIA from $8,807.73 to $7,848.42 which is a $959.31 monthly debt reduction |
| 6750284 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 39 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 748 exceeds min score requirement of 700. |
| 6750285 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 31 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 30.77% / Max LTV 65%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 50 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 700. |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

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| | |
|:---|:---|
| **Client Name:** | **Barclays** |
| **Client Project Name:** | **BARC 2026-NQM5** |
| **Start - End Dates:** | **12/18/2025 - 2/25/2026** |
| **Deal Loan Count:** | **32** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *32* |
| ***Loans with Conditions:*** | *9* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 6727630 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 6727645 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 6727648 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 6727640 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727639 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727647 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 6727653 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 6750269 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 6727658 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 6750270 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750271 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727628 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750272 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 6727629 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 6750274 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750275 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727659 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 6727644 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727636 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727656 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750276 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750277 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750278 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 6727641 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 6727651 | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 6750280 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Yes |
| 6750283 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 6727638 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727634 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6727643 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 6750284 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6750285 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *32* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 6727630 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6727645 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6727640 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727639 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727647 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6727653 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6750269 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727658 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6750270 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727628 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727629 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6750274 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6750275 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727659 | (No Data) | Product Type | DSCR | 30 Yr Fixed |
| 6727644 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727636 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6727656 | XXXXXX | Product Type | DSCR | 40 Yr Fixed Interest Only |
| 6750276 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 6750277 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | |
|:---|:---|
| **ATR QM Upload** |  |
| *Loans in Report:* | *32* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 6727630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1123.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 1.3351 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1050.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 2.0942 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.05 | 0 | 29.05 | 29.05 | 29.05 | (No Data) | (No Data) | (No Data) | 25948.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4138 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4250.00 | No | (No Data) | 1.0270 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 6727639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4545.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5250.00 | No | (No Data) | 1.1549 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1219.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.3526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1313.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 1.7892 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 10.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2278.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 1.0311 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3245.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3600.00 | 1.1092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1290.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 2.1703 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.43 | 0 | 36.43 | 36.43 | 36.43 | (No Data) | (No Data) | (No Data) | 23533.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1239.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1350.00 | No | (No Data) | 1.0888 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.49 | 0 | 34.49 | 34.49 | 34.49 | (No Data) | (No Data) | (No Data) | 27134.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7747.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10400.00 | No | (No Data) | 1.3423 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2093.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2166.00 | No | (No Data) | 1.0345 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1607.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.3061 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5983.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6200.00 | No | (No Data) | 1.0361 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1975.00 | No | (No Data) | 1.0212 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1206.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.2016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8749 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7306.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7500.00 | No | (No Data) | 1.0264 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 11.2499 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1713.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.9263 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4052.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4650.00 | No | (No Data) | 1.1474 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.72 | 0 | 40.72 | 40.72 | 40.72 | (No Data) | (No Data) | (No Data) | 12403.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3089 | No | No | 1.68 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.61 | 47.58 | 48.61 | 47.58 | 47.58 | 47.58 | Yes | Yes | Yes | 6389.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2703 | No | No | 2.39 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.55 | 49.07 | 48.55 | 49.07 | 49.07 | 49.07 | Yes | Yes | Yes | 8364.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 156 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 6750280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.8459 | No | No | 4.858 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.97 | 46.97 | 0 | 46.97 | 46.97 | 46.97 | Yes | Yes | Yes | 3389.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | Condotel | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5548 | Yes | Yes | 1.735 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.83 | 40.34 | 19.83 | 40.34 | 40.34 | 40.34 | Yes | Yes | Yes | 21313.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7261 | Yes | Yes | 2.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.24 | 31.18 | 31.24 | 31.18 | 31.18 | 31.18 | Yes | Yes | Yes | 16115.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3842 | Yes | Yes | 2.696 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.53 | 29.29 | 29.53 | 26.49 | 26.49 | 29.29 | Yes | Yes | Yes | 40505.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6727643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6405 | No | No | 1.21 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.83 | 46.31 | 47.83 | 46.31 | 46.31 | 46.31 | Yes | Yes | Yes | 12548.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9608 | Yes | No | 2.095 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.29 | 20.25 | 0 | 20.25 | 20.25 | 20.25 | Yes | Yes | Yes | 146396.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6750285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7296 | No | No | 1.071 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.09 | 44.15 | 44.09 | 44.15 | 44.15 | 44.15 | Yes | Yes | Yes | 116222.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> CPA Letter - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

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| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *32* |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 6727630 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727645 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727648 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727640 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6727639 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6727647 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727653 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750269 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6727658 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6750270 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750271 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6727628 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750272 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6727629 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6750274 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6750275 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727659 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727644 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727636 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6727656 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750276 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750277 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6750278 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6727641 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7096.71 | XXXXXX | 7.3089 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6389.92 |
| 6727651 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11910 | XXXXXX | 7.2703 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 8364.44 |
| 6750280 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12950 | XXXXXX | 10.8459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3389.98 |
| 6750283 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14960.5 | XXXXXX | 6.5548 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | 21313.52 |
| 6727638 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6272.5 | XXXXXX | 7.7261 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16115.25 |
| 6727634 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 33343.75 | XXXXXX | 7.3842 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 40505.57 |
| 6727643 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10937.5 | XXXXXX | 6.6405 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12548.95 |
| 6750284 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 81593.27 | XXXXXX | 6.9608 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 146396.16 |
| 6750285 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 42290 | XXXXXX | 6.7296 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 116222.23 |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 6727630 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 940.59 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 54.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 3000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 635 | 687 | 0 | (No Data) | (No Data) | 656 | 0 | -1123.44 | 0 | 0 | 1123.44 | 0 | 91503.33 | 91503.33 | 91503.33 | XXXXXX | 91503.33 | 81.45 | 81.45 | Fully Amortized | 8.375 | 940.59 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 6727645 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 663.67 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.06 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 189 | 32325.00 | 17 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 713 | 699 | 0 | (No Data) | (No Data) | 709 | 0 | -1050.48 | 0 | 0 | 1050.48 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.500 | 663.68 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6727648 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3382.45 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 202.51 | (No Data) | (No Data) | 57.42 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 76 | 16000.00 | 15 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 742 | 634 | 16457.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 693 | 696 | 20114.57 | (No Data) | (No Data) | 693 | 36571.95 | 25948.82 | 8.07 | 29.05 | 10623.13 | 2950.39 | 132177.15 | 132177.15 | 132177.15 | XXXXXX | 132177.15 | 29.16 | 29.16 | Fully Amortized | 7.500 | 3382.46 | 8.07 | 29.05 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) |
| 6727640 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 3301.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.43 | 71.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 247.59 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 116 | 24500.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 641 | 679 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 666 | 0 | -4138 | 0 | 0 | 4138 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.999 | 3301.63 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6727639 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 3599.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 113.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 291 | 17000.00 | 20 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 696 | 696 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 696 | 0 | -4545.7 | 0 | 0 | 4545.7 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.750 | 3599.72 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6727647 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 873.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 66.11 | 66.11 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 161.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 42 | 2000.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 703 | 712 | 0 | (No Data) | (No Data) | 703 | 0 | -1219.82 | 0 | 0 | 1219.82 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.999 | 873.10 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 6727653 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.3750 | 1184.00 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.73 | 64.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 25 | 5500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 658 | 683 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 674 | 0 | -1313.42 | 0 | 0 | 1313.42 | 0 | 127568.85 | 127568.85 | 127568.85 | XXXXXX | 127568.85 | 97.13 | 97.13 | Fully Amortized | 9.375 | 1184.00 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750269 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 10.3750 | 1584.46 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 47.95 | 47.95 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 133.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 0 | 0.00 | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 606 | 617 | 532 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 606 | 0 | -2278.9 | 0 | 0 | 2278.9 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 10.375 | 1584.47 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6727658 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1898.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 220.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 276 | 14775.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 682 | 677 | 0 | (No Data) | (No Data) | 677 | 0 | -3245.57 | 0 | 0 | 3245.57 | 0 | 434.05 | 434.05 | 434.05 | XXXXXX | 434.05 | 0.13 | 0.13 | Fully Amortized | 7.999 | 1898.07 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 6750270 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 10.8750 | 942.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 40.32 | 40.32 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 87.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 310 | 30000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 589 | 638 | 603 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 603 | 0 | -1290.09 | 0 | 0 | 1290.09 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 10.875 | 942.90 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750271 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3492.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.63 | 69.63 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.23 | (No Data) | (No Data) | (No Data) | 1149.45 | Present | XXXXXX | 1 | No | Present | XXXXXX | 368 | 40000.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 743 | 711 | 37019.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 720 | 37019.93 | 23533.59 | 9.72 | 36.43 | 13486.34 | 3600 | 75400.00 | 75400 | 75400 | XXXXXX | 26858.2 | 4.48 | 4.48 | Fully Amortized | 6.999 | 3492.49 | 9.72 | 36.43 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 6727628 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.9990 | 1000.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 63.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 133 | 10950.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 653 | 647 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 647 | 0 | -1239.8 | 0 | 0 | 1239.8 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 9.999 | 1000.35 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750272 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3468.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 68.43 | 68.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.23 | (No Data) | (No Data) | (No Data) | 1149.45 | Present | XXXXXX | 1 | No | Present | XXXXXX | 360 | 40000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 743 | 711 | 41419.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 720 | 41419.26 | 27134.09 | 9.17 | 34.49 | 14285.17 | 3800 | 42842.93 | 42842.93 | 42842.93 | XXXXXX | 42842.93 | 7.16 | 7.16 | Fully Amortized | 6.999 | 3468.54 | 9.17 | 34.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 6727629 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.8750 | 7098.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 134.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 108 | 33000.00 | 11 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 665 | 663 | 0 | (No Data) | (No Data) | 665 | 0 | -7747.47 | 0 | 0 | 7747.47 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 9.875 | 7098.76 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6750274 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 879.66 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 42.73 | 42.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 173.76 | (No Data) | (No Data) | 0.00 | 748.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 202 | 32200.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 751 | 760 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 777 | 799 | 0 | (No Data) | (No Data) | 758 | 0 | -2093.73 | 0 | 0 | 2093.73 | 0 | 3435.45 | 3435.45 | 3435.45 | XXXXXX | 1852.8 | 0.88 | 0.88 | Fully Amortized | 6.375 | 879.66 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6750275 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1305.12 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 203 | 32200.00 | 18 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 751 | 760 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 777 | 799 | 0 | (No Data) | (No Data) | 777 | 0 | -1607.75 | 0 | 0 | 1607.75 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.875 | 1305.13 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6727659 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 5265.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 116.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 42 | 5200.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 678 | 710 | 0 | (No Data) | (No Data) | 694 | 0 | -5983.73 | 0 | 0 | 5983.73 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.750 | 5265.64 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6727644 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1062.81 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 60.33 | (No Data) | (No Data) | (No Data) | 575.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 186 | 30000.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 733 | 708 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 740 | 732 | 0 | (No Data) | (No Data) | 732 | 0 | -1933.93 | 0 | 0 | 1933.93 | 0 | 1249111.78 | 1249111.78 | 1249111.78 | XXXXXX | 1199788.64 | 620.39 | 620.39 | Fully Amortized | 7.500 | 1062.81 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 6727636 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 955.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.36 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 240 | 4000.00 | 19 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 643 | 643 | 651 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 643 | 0 | -1206.72 | 0 | 0 | 1206.72 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.625 | 955.53 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6727656 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 4511.72 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 836.84 | (No Data) | (No Data) | 51.28 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 142 | 19900.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 716 | 749 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 749 | 0 | -7306.5 | 0 | 0 | 7306.5 | 0 | 192879.17 | 192879.17 | 192879.17 | XXXXXX | 192879.17 | 26.4 | 25.32 | Fully Amortized | 6.875 | 4822.44 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750276 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 11.2500 | 1214.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 16.13 | 16.13 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.59 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 7 | 0.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 637 | 609 | 586 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 609 | 0 | -1713.05 | 0 | 0 | 1713.05 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 11.250 | 1214.08 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750277 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 2607.36 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 42.67 | (No Data) | (No Data) | (No Data) | 1154.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 271 | 47392.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 796 | 783 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 783 | 0 | -4052.36 | 0 | 0 | 4052.36 | 0 | 4938838.15 | 4938838.15 | 4938838.15 | XXXXXX | 4678160.57 | 1154.43 | 1154.43 | Fully Amortized | 6.750 | 2607.37 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 6750278 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1892.36 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.99 | 74.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 39.09 | (No Data) | (No Data) | (No Data) | 370.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 230 | 14400.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 779 | 783 | 13167.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 758 | 800 | 7754.9 | (No Data) | (No Data) | 783 | 20922.09 | 12403.18 | 10.56 | 40.72 | 8518.91 | 2210.23 | 127852.22 | 127852.22 | 127852.22 | XXXXXX | 33267.51 | 13.29 | 13.29 | Fully Amortized | 7.250 | 1892.36 | 10.56 | 40.72 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) |
| 6727641 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2905.41 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 125.00 | (No Data) | (No Data) | (No Data) | 69.17 | Present | XXXXXX | 4 | No | Present | XXXXXX | 251 | 33000.00 | 33 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 665 | 693 | 6095.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 700 | 680 | 6095.15 | (No Data) | (No Data) | 693 | 12190.3 | 6389.92 | 34.14 | 47.58 | 5800.38 | 4161.38 | 12530.85 | 12530.85 | 12530.85 | XXXXXX | 794.83 | 0.19 | 0.19 | Fully Amortized | 7.125 | 2905.42 | 34.14 | 47.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) |
| 6727651 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3416.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.99 | 74.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 286.45 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 117 | 5000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 768 | 749 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 673 | 686 | 16423.27 | (No Data) | (No Data) | 686 | 16423.27 | 8364.44 | 27.81 | 49.07 | 8058.83 | 4567.83 | 2987.49 | 2987.49 | 2987.49 | XXXXXX | 2987.49 | 0.65 | 0.65 | Fully Amortized | 6.999 | 3416.99 | 27.81 | 49.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 156 months | (No Data) | (No Data) |
| 6750280 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 10.2500 | 2509.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 34.78 | 34.78 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 79.04 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 39 | 5200.00 | 3 | 1 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 590 | 584 | 615 | 6392.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 590 | 6392.91 | 3389.99 | 46.35 | 46.97 | 3002.92 | 2962.92 | 2760.03 | 2760.03 | 2760.03 | XXXXXX | 2055.44 | 0.69 | 0.69 | Fully Amortized | 10.250 | 2509.09 | 46.35 | 46.97 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A D B | D B A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) |
| 6750283 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 5494.42 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.58 | 65.58 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 221.14 | (No Data) | (No Data) | (No Data) | 1567.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 281 | 40500.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 793 | 770 | 35725.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 802 | 791 | 0 | (No Data) | (No Data) | 782 | 35725 | 21313.52 | 15.27 | 40.34 | 14411.48 | 5456.45 | 363534.83 | 363534.83 | 363534.83 | XXXXXX | 319076.81 | 41.85 | 41.85 | Fully Amortized | 6.375 | 5494.43 | 15.27 | 40.34 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 6727638 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2108.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.91 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 113 | 13800.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 709 | 663 | 23417.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 709 | 23417.72 | 16115.25 | 12.56 | 31.18 | 7302.47 | 2940.47 | 80952.54 | 80952.54 | 80952.54 | XXXXXX | 36073.21 | 12.27 | 12.27 | Fully Amortized | 7.500 | 2108.14 | 12.56 | 31.18 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 6727634 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 7570.31 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.78 | 74.78 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 906.79 | (No Data) | (No Data) | (No Data) | 385.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 148 | 31230.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 675 | 689 | 55105.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 687 | 55105.67 | 40505.57 | 17.97 | 26.49 | 14600.1 | 9903.1 | 2195.47 | 2195.47 | 2195.47 | XXXXXX | 2195.47 | 0.22 | 0.19 | Custom Qual. P&I | (No Data) | 9113.36 | 20.77 | 29.29 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months | (No Data) | (No Data) | (No Data) |
| 6727643 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 5807.12 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 244.78 | (No Data) | (No Data) | 77.34 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 112 | 17400.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 704 | 687 | 23374.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 704 | 23374.37 | 12548.95 | 33.58 | 46.31 | 10825.42 | 7848.42 | 5337.74 | 5337.74 | 5337.74 | XXXXXX | -1163.93 | -0.15 | '-0.15 | Fully Amortized | 6.500 | 5807.13 | 33.58 | 46.31 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 6750284 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 25943.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | 62.02 | 62.02 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 1121.51 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 208 | 33500.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 784 | 748 | 183577.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 816 | 715 | 0 | (No Data) | (No Data) | 748 | 183577.13 | 146396.15 | 16.27 | 20.25 | 37180.98 | 29867.98 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.750 | 25943.93 | 16.27 | 20.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) |
| 6750285 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 25612.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | 30.77 | 30.77 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 1680.79 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 7 | 50047.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 777 | 804 | 208113.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 797 | 208113.63 | 116222.23 | 14.53 | 44.15 | 91891.4 | 30237.47 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.625 | 25612.44 | 14.53 | 44.15 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Award Letter - 12 months;<br> CPA Letter - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 7**

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| **Valuations Summary** | **Valuations Summary** | **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *Loans In Report:* | *32* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* | *Loans In Report:* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 6727630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 6727640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.80% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6727628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 6727629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6727636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 6750276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6750277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 6727651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6750280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6750283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.47% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6727643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 6750284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.78% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6750285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 15.38% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 15.38% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.3

**Exhibit 99.3 Schedule 8**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Compliance | Right of Rescission | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | 1 |
| **Total** |  |  |  | **3** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

**Exhibit 99.4**

![](tm2613835d1_ex99-4img001.jpg)

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FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary<br> BARC 2026-NQM5

Dated: April 28, 2026

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**

**P: 888.892.1843 \|** **<u>evolvemortgageservices.com</u>**

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**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Sutton Funding LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 7 loans, consisting of 2 Residential loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $2,493,990.00 Evolve is not aware of the overall securitization population as other third-party review (TPR") firms may have reviewed loans within the overall securitization loan population.

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

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

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

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

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

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**<u>Scope of Review</u>**<br>**<u>Document Review</u>**<br>For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.<br>**<u>Credit Review</u>**<br>The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine if there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.<br>*Credit Application*<br>For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.<br>*Credit Report*<br>Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.<br>*Borrowing Entity*<br>Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.<br>

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*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.<br>*Valuation Review*<br>Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.<br>With regard to the use of comparable properties, Evolve's review will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.<br>Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.<br>*Asset Review*<br>Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.<br>

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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; *Insurance*<br>Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.<br>*Title*<br>Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.<br>*Fraud / Criminal Background*<br>To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.<br>**<u>Limited Non-Owner Occupancy Certification Review</u>**<br>Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.<br>Review procedures include:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Form 1003/Loan application is reviewed to ensure that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Primary Residence address(es) listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review additional items for confirmation of non-owner occupancy possibly including:<br> o That the credit report address is different than the subject property<br> o There is a lease in place if the loan is a refinance<br>

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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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; o There is landlord insurance on the property<br>**<u>Debt Service Coverage Ratio (DSCR)</u>** <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate DSCR as required by the guidelines<br>**<u>Data Collection</u>** <br>Evolve will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by Evolve. All material discrepancies will be noted.<br>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**<br>The NRSROs criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.<br>**Compliance Results Summary**<br>

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **S&p** | **S&p** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 2 | 28.57% |
| &nbsp;&nbsp;B | - | 0.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | 5 | 71.43% |
| &nbsp;&nbsp;**Total** | **7** | **100.00%** |

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**Credit Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **S&p** | **S&p** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 6 | 85.71% |
| &nbsp;&nbsp;B | 1 | 14.29% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **7** | **100.00%** |

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**Property Valuation Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **S&p** | **S&p** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 7 | 100.00% |
| &nbsp;&nbsp;B | - | 0.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **7** | **100.00%** |

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**Overall Results Summary**<br>

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **S&P** | **S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 6 | 85.71% |
| &nbsp;&nbsp;B | 1 | 14.29% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **7** | **100.00%** |

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**Data Results Summary**<br>

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| &nbsp;&nbsp;Amortization Type | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Appraised Value | 1 | 7 | 14.29% |
| &nbsp;&nbsp;DSCR | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Doc Type | 5 | 7 | 71.43% |
| &nbsp;&nbsp;First Payment Date | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Index Type | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Loan Purpose | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Maturity Date | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Note Date | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Occupancy | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Original Amortization Term | 3 | 7 | 42.86% |
| &nbsp;&nbsp;Original CLTV | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Original LTV | 1 | 7 | 14.29% |
| &nbsp;&nbsp;Original P&I | 7 | 7 | 100.00% |
| &nbsp;&nbsp;PITI | 7 | 7 | 100.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | 5 | 7 | 71.43% |
| &nbsp;&nbsp;Product Code | 3 | 7 | 42.86% |
| &nbsp;&nbsp;Property Type | 2 | 7 | 28.57% |
| &nbsp;&nbsp;QM Status | 4 | 7 | 57.14% |
| &nbsp;&nbsp;Qualifying DTI | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Sales Price | 2 | 7 | 28.57% |
| &nbsp;&nbsp;Self-Employment Flag | 3 | 7 | 42.86% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **APPENDIX A**<br>**Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**<br>Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.<br>Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.<br>Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:<br>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>** <br> **(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;<br> ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);<br> iii) errors in the right of rescission notice;<br> iv) failure to provide the correct form of right of rescission notice;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period; and<br> vi) any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);<br> ii) proper execution by all required parties;<br> iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and<br> iv) timing of initial and re-disclosed TIL(s);<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and<br> ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;<br> ii) APR threshold test;<br> iii) prepayment penalty test; and<br> iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and<br> ii) compliance with the escrow account and appraisal requirements;<br>**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;<br> ii) verify GFE was provided to the borrower(s) within three (3) business days of application;<br> iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;<br>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;<br> ii) determination that the loan file contains the final HUD;<br> iii) escrow deposit on the final HUD matches the initial escrow statement amount; and<br> iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;<br> ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and<br> 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.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the loan file;<br> ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;<br> iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;<br> iv) confirm the Special Information Booklet was provided within three (3) business days of application;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;<br> vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;<br> vii) confirm the Affiliated Business Arrangement Disclosure is executed; and<br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.<br>**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**<br>**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**<br>**(V) Federal and state specific late charge and prepayment penalty provisions;**<br>

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**Forward Thinking. Seamless Solutions.**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **(VI) Document Review**<br> Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:<br> ■ Initial application (1003);<br> ■ Final application (1003);<br> ■ Note;<br> ■ Appraisal;<br> ■ Sales contract;<br> ■ Title/Preliminary Title;<br> ■ Initial TIL;<br> ■ Final TIL;<br> ■ Final HUD-1;<br> ■ Initial and final GFE's;<br> ■ Right of Rescission Disclosure;<br> ■ Mortgage/Deed of Trust;<br> ■ Mortgage Insurance;<br> ■ Tangible Net Benefit Disclosure;<br> ■ FACTA disclosures; and<br> ■ Certain other disclosures related to the enumerated tests set forth herein.<br>**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>** <br> For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:<br>**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;<br> ii) review relevant document to determine if there was dual compensation; and<br> iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;<br>

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**Forward Thinking. Seamless Solutions.**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and<br> ii) verify the data against the NMLSR database, as available.<br>**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and<br> ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.<br>**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).<br>Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.<br>*<u>Qualified Mortgage</u>* <br> With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.<br>

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**Forward Thinking. Seamless Solutions.**

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<br> If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.<br>For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.<br>The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).<br>For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.<br>*<u>General Ability to Repay</u>* <br>Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.<br>*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.<br>Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.<br>

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**Forward Thinking. Seamless Solutions.**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> **(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth**<br> **below:**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;<br> ii) charging of a fee for a copy of the appraisal or other written valuation;<br> iii) timing of creditor providing a copy of each appraisal or other written valuation;<br> iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.<br>**(XI) FIRREA Review**<br> Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.<br>**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>** <br> For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:<br>With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.<br>

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**Forward Thinking. Seamless Solutions.**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.<br>Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:<br>**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;<br> ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;<br> iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;<br> 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;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;<br> vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;<br> vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);<br> viii) confirm borrower received LE not later than four (4) business days prior to consummation; and<br> ix) confirm LE was not provided to the borrower on or after the date of the CD.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;<br> 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;<br>

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**Forward Thinking. Seamless Solutions.**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;<br> iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim [E's, initial CD, and reflected on the final CD;<br> 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<br> 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.)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and<br> ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.<br>**(XIII) Document Review**<br> Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were<br> included in the file and if the data on these documents was consistent (where applicable):<br> ■ Loan Estimates;<br> ■ Closing Disclosures; and<br> ■ Certain other disclosures related to the enumerated tests set forth herein.<br>

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## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

![](tm2613835d1_ex99-4schimg01.jpg)

**Data Compare**

**Run Date - 04/28/2026 10:52:22 AM**

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1898.88 | Verified |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 7.39600 | 0.07396 | Verified |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2681.49 |  |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard |  |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1475.56 | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | 5685.00 | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXXXX |  | Verified |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.77700 | 0.42733 | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1995.19 | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Attached | Verified |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.210 | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1088.91 | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F5Y5%4%3% | DSCR-Inv | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 480 | 240 | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | DSCR | 0.883 | 1.020 | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 2915.80 | 2628.54 | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

![](tm2613835d1_ex99-4schimg01.jpg)

**Exception Detail**

**Run Date - 04/28/2026 10:52:22 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | 7093337 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory XX months business XXXX statements from XXXX of XXXXXXX xXXXX from X/XX thru XX/XX used for XXXX statement income worksheet ending $XX,XXX.XX monthly income | XX months (XXX pages) XXX #XXXX statements provided XXXXX income work sheet. |  |  | 03/15/2024 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | 7093338 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence for XXX located at XXXX XXXXXX XXX XX XXXXXXXX XX of $XXX monthly for XXXXX included in XXX | HOA $XXX.XX/XX. XXX is only X.XX%. |  | Reviewer 03/18/2024 10:02 AM; Processor XXXX provided was for XXX XXXXX XXX XXXXXX. XXXXXXXXX is for property located at XXXX XXXXXX XXXXX XX.<br>| 03/19/2024 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | 7346130 | 901 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Loan is non-trid compliant due to XXXX on XXXXXX increasing greater than XXXXXX and the required additional waiting period was not given XXXXX there was a XXX issued after XXXX but prior to XXXXXX please provide for further review) | Information provided |  | Reviewer 12/18/2025 11:24 AM; Loan is non-trid compliant due to XXXX increasing by more than XXXXXX on XXXXXX and the borrower not given the required XX day waiting period. XXX evidence the XXXXXX XXX was received XXXXXX is provided it will cure this. XXX evidence is not provided, finding will stand as is<br>Reviewer 12/31/2025 10:00 AM; received XXXX and XXXXXX still need evidence of refund to borrower XXXXXXX of check)<br>| 01/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | 7346131 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | 7352370 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXX rate loan confirmation | XXX XXXXX received |  |  | 12/14/2025 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | 7352423 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Exception required to accept less than XX months post-closing reserves in the amount of XXXXXXXXXXXXXXX XXXXXXXXXXXXX assets are XXXXXXXXXXXX representing XXXXXX months reserves |  | Received exception approval from XXXXX for lack of reserves. XXXXX XXXXXXXX - XXXXXX XXXXX XXXXXX residual income |  |  |  | 12/16/2025 B | 2 | XXXXXXXXXX | TX | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | 7352371 | 435 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | Missing credit report dated within XXX days of the note date. XXXX current credit report is dated XXXXXXXXXXX and expired XXXXXXXXXXXXX XXXX note date is XXXXXXXXXX | Received updated credit report |  |  | 12/17/2025 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | 7361978 | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the title policy. | Title received |  |  | 12/15/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | 7411599 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for proof of initial application date. | Information provided |  | Reviewer 01/02/2026 02:37 PM; Not provided <br>Reviewer 01/06/2026 11:00 AM; The doc provided does not provide the initial application date <br>Client 01/06/2026 11:59 AM; The date is on the XXXXXXXXXXXXXX XXX is on the signature block. XXXXX is the initial date. XXXXXXX clear<br>Reviewer 01/06/2026 12:19 PM; <br>Reviewer 01/06/2026 01:49 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 01/06/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | 7419582 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing 12 months verification of the mortgage with XXX ending XXX. | VOR provided is for the borrower''''s residence now not XXXX XXXXX XXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX / XXXXXXXXX mortgage was in the name of the XXX XXXXXXX XXXXXXX trust. XXXXXXXXX was XXXXXXXX and quit claimed property to XXXXXX XXXXXXXXX was not in borrower''''s name |  |  | 01/04/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | 7419583 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing SSA Card or SSA-89 results. Required for all borrowers. | SSA XXXXX XXX XXXXXXX states XXXXX |  |  | 01/02/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | 7582496 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | The XXX signed at closing is missing the XXXXX XXXXXXXXX XXXXXXX provide XXXXXX XXX with all information completed. | Information provided |  |  | 01/14/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | 7595544 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX missing from the file. | XXXX provided |  |  | 01/13/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

![](tm2613835d1_ex99-4schimg01.jpg)

**QM ATR Data**

**Run Date - 04/28/2026 10:52:22 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $0.00 | 02/13/2024 | 8.369% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1410.00 | 09/09/2025 | 7.684% | Self-Employed |  | US Citizen |  |  |  | Yes | $10179.80 |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

![](tm2613835d1_ex99-4schimg01.jpg)

**Rating Agency Grades**

**Run Date - 04/28/2026 10:52:22 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

![](tm2613835d1_ex99-4schimg01.jpg)

**Valuation Report**

**Run Date - 04/28/2026 10:52:22 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1616022 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683696 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684267 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683457 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| 1685383 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684357 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1684729 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](tm2613835d1_ex99-5img001.jpg)

**EXECUTIVE SUMMARY**

**Description of Services:** 

Adfitech, Inc. dba Mortgage Connect Risk Solutions ("MCRS") performed due diligence services on the mortgage loans described herein, which were originated/or purchased PennyMac Loan Services, LLC and subsequently acquired by Sutton Funding LLC pursuant to a reliance letter.". The mortgage images were supplied to MCRS via the Client or its designee for the review. The subject population was reviewed between January 2026 – March 2026.

**Sample size of the assets reviewed.**

During the securitization evaluation process, the Client may have removed loans that were reviewed by TPR from the securitization for paid-in-full mortgage loans or other items that were not disclosed to MCRS. The final population of the Review covered 7 Residential and 15 Business Purpose mortgage loans, totaling an aggregate original principal balance of approximately $8,314,635.00. MCRS has no knowledge of the composition of the overall securitization population as other TPR firms may have reviewed loans included in the broader securitization transaction. Accordingly, MCRS's conclusions are limited solely to the loans identified within the scope of this engagement. The Review was conducted consistent with the criteria for S&P Global Ratings LLC, the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

MCRS compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to TPR on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;<u>Amortization Term</u> | &nbsp;&nbsp;<u>Original Loan Amount</u> |
| &nbsp;&nbsp;<u>Amortization Type</u> | &nbsp;&nbsp;<u>Original LTV</u> |
| &nbsp;&nbsp;<u>Appraisal Date</u> | &nbsp;&nbsp;<u>Original P&I</u> |
| &nbsp;&nbsp;<u>Appraised Value</u> | &nbsp;&nbsp;<u>Original Term</u> |
| &nbsp;&nbsp;<u>Documentation Type</u> | &nbsp;&nbsp;<u>Prepayment Penalty</u> |
| &nbsp;&nbsp;<u>First Payment Date</u> | &nbsp;&nbsp;<u>Property Address</u> |
| &nbsp;&nbsp;<u>Interest Only</u> | &nbsp;&nbsp;<u>Property City</u> |
| &nbsp;&nbsp;<u>Lien Position</u> | &nbsp;&nbsp;<u>Property State</u> |
| &nbsp;&nbsp;<u>Loan Purpose</u> | &nbsp;&nbsp;<u>Property Type</u> |
| &nbsp;&nbsp;<u>Margin</u> | &nbsp;&nbsp;<u>Property Zip</u> |
| &nbsp;&nbsp;<u>Maturity Date</u> | &nbsp;&nbsp;<u>QM ATR Status</u> |
| &nbsp;&nbsp;<u>Note Date</u> | &nbsp;&nbsp;<u>Qualifying Credit Score</u> |
| &nbsp;&nbsp;<u>Occupancy</u> | &nbsp;&nbsp;<u>Qualifying DTI</u> |
| &nbsp;&nbsp;<u>Original CLTV</u> | &nbsp;&nbsp;<u>Sales Price</u> |

---

![](tm2613835d1_ex99-5img001.jpg)

Additional information about the data integrity review is included in the following:

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

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

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

**Credit Report:** TPR'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, TPR: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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**Fraud Review:** TPR 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, TPR conditioned the mortgage loan for the missing fraud report product.

If a report was present, TPR 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, TPR confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

**MCRS'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. MCRS's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities. With regard to the use of comparable properties, MCRS's review (i) capture the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.** 

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

**If more than one valuation is provided, MCRS will confirm consistency among the valuation products and if there are discrepancies that cannot be resolved, MCRS will create an exception and work with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in MCRS's review result in a variance of more than 10% less than the appraised value, then the client will be notified of such variance, and a second independent valuation product will need to be ordered.** 

**MCRS will also consider processes that include Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score is ineligible for GSE RW&E relief, then MCRS will compare a third valuation product (such as a field review) to the original appraisal.** 

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

Please be advised that MCRS will 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 MCRS are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which MCRS is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, MCRS will implement the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA) (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MCRS will work 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 MCRS 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. MCRS has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per MCRS's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that MCRS has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by MCRS will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that MCRS does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by MCRS do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to MCRS. Information contained in any MCRS 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 MCRS 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 MCRS 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. MCRS does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by MCRS.

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MCRS 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. **General Scope of Review:**

(i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026;

(ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500.

(iii) the National Flood Insurance Act,

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

(v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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.

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

i) APR threshold test; and

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

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

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

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

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

(1) Note: Where available, MCRS will review the relevant documents in the mortgage loan file and, as necessary, attempt 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, MCRS's review will be limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, will be 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;

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

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

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

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.

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

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

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

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:**

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

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

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

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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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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

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

ii) confirm 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.

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

i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file (for applications prior to 10/3/2015);

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application file (for applications prior to 10/3/2015);

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 file (for applications prior to 10/3/2015)/Home Loan Tool Kit (for applications on or after 10/03/2015);

iv) confirm the Special Information Booklet was provided within three (3) business days of application (for applications prior to 10/3/2015)/Home Loan Tool Kit (for applications on or after 10/03/2015;

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

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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

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):**

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability 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;

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.

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

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

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

iii) confirm that certain sections of each CD determined to carry assignee liability 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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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 principles 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.)

c) <u>Your Home Loan Toolkit (§1026.19) (for application on or after 10/03/2015):</u> 

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

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

**(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:**

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

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

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

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

MCRS will review 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 and VSH). MCRS determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, MCRS will note as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, MCRS will note 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, MCRS will review the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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

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|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). If the loan designation is Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", then the loans will be reviewed according to the "new QM" rule using calculation as outlined below in number 3. If no designation is provided, then the loan designation will default to using the Appendix Q calculation. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or <br>|

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|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 10/1/2022, 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 loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, MCRS will capture it, but will not verify the VSH indicator.

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

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

If a mortgage loan is designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, MCRS will review 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, MCRS will review 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, MCRS will then determine 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 will include 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, MCRS will then determine whether the mortgage loan complies with the ATR rule consideration and verification requirements and provide a due diligence designation of Non-QM compliant or non-compliant.

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

MCRS will review 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.

MCRS will review 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"). MCRS 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. MCRS's review is based on information contained in the mortgage loan file at the time it is provided to MCRS to review, and only reflects information as of that point in time.

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

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

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**

MCRS will note the presence of recorded documents, when available. However, the majority of new production and have only been closed for days or weeks at the time MCRS reviews the mortgage loans and thus have not yet been recorded. MCRS will verify 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, MCRS will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

MCRS will confirm that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MCRS will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments are reasonable and that pictures are provided and are accurate.

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

**(XII) Document Review**

MCRS will review each mortgage loan file and verify if the following documents, if applicable, are included in the file and if the data on these documents is consistent (where applicable):

• Initial application (1003);

• Underwriting summary / loan approval (1008);

• Credit report;

• Income and employment documentation;

• 4506T/4506C;

• Asset documentation;

• Sales contract;

• Hazard and/or flood insurance policies;

• Copy of note for any junior liens;

• Appraisal;

• Title/Preliminary Title;

• Final 1003;

• Changed circumstance documentation;

• Right of Rescission Disclosure;

• Mortgage/Deed of Trust;

• Note;

• Mortgage Insurance;

• Tangible Net Benefit Disclosure;

• Subordination Agreement;

• FACTA disclosures;

![](tm2613835d1_ex99-5img001.jpg)

• Notice of Special Flood Hazards;

• Initial and final GFE's;

• HUD from sale of previous residence;

• Final HUD-1;

• Initial TIL;

• Final TIL;

• Loan Estimates;

• Closing Disclosures; and

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

**EXHIBIT B**

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

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

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by MCRS.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, TPR 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, TPR then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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

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

 

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

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

TPR 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"). TPR 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. TPR's review is based on information contained in the loan file at the time it is provided to TPR to review, and only reflects information as of that point in time.

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, TPR implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. TPR 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 TPR 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 TPR, impacting the review scope and exception severity. TPR has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TPR's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TPR has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TPR will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that TPR does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TPR do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TPR. Information contained in any TPR 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 TPR 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 TPR 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. TPR does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TPR.

![](tm2613835d1_ex99-5img001.jpg)

TPR 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;40.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;59.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;36.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.0%** |

---

![](tm2613835d1_ex99-5img001.jpg)

**DATA COMPARE SUMMARY**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;14 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;BusinessPurposeFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;3 | &nbsp;&nbsp;22 | &nbsp;&nbsp;13.64% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;6 | &nbsp;&nbsp;22 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.5% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXXXX8861 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | Yes | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX9579 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX9574 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | Yes |  | Yes | Yes | Yes |  | Yes | Yes |  | XXXX | Yes | XXXX |  | XX |  | No |  |
| XXXXXX1032 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | Yes |  | Yes | Yes | Yes |  | Yes | Yes |  |  |  | XXXX |  | XX |  | No |  |
| XXXXXX1501 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes |  |  | Yes | Yes | Yes |  | Yes | Yes | Yes |  |  | XXXX |  | XX |  | No |  |
| XXXXXX1545 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | Yes |  | Yes | Yes | Yes |  | Yes |  |  |  |  | XXXX | XXXX | XX | XX | No |  |
| XXXXXX2447 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes |  |  | Yes | Yes | Yes |  | Yes | Yes |  |  |  | XXXX | XXXX | XX | XX | No |  |
| XXXXXX5359 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | Yes | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX5595 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | Yes |  | Yes | Yes |  |  | Yes | Yes |  |  |  | XXXX | XXXX | XX | XX | No |  |
| XXXXXX8411 |  |  | XXXXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No |  | No | No | No | No | No | No | No | No | Not Tested |  | XX | Yes | Yes |  | Yes | Yes | Yes |  | Yes | Yes |  | XXXX | Yes | XXXX |  | XX |  | No |  |
| XXXXXX3278 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX9445 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX4409 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX6307 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX6284 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX4884 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX5958 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | Yes | XXXX |
| XXXXXX3580 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes |  | Yes | Yes | Yes |  | Yes | Yes |  |  |  | XXXX |  | XX |  | Yes | XXXX |
| XXXXXX1836 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Interest Only |  |  |  | No | No | Yes | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX8364 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | Yes | XXXX |
| XXXXXX3385 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | No | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | Yes | XXXX |
| XXXXXX1072 |  |  | XXXXXXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  |  |  | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | Yes | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX8861 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Note reflects date of XX/XX/XXXX |
| XXXXXX8861 |  |  | XXXX | Business Purpose Flag | businessPurposeApprovalandGuidelinePage | XXXXXX | XXXXXX | DSCR as per the Business purpose document and 1008. |
| XXXXXX8861 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | DSCR is X.XXX based on the subject payment and the rent documented in file. |
| XXXXXX9579 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Note dated XX/XX/XXXX |
| XXXXXX9579 |  |  | XXXX | Business Purpose Flag | businessPurposeApprovalandGuidelinePage | XXXXXX | XXXXXX | DSCR loan per documentation in file. |
| XXXXXX9579 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | DSCR X.XXX based on the PITIA and lease amount. |
| XXXXXX9574 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXXX | XXXXXX | Per guidelines used if initial 1003 income is lower than calculated use 1003 income |
| XXXXXX9574 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXXXX | XXXXXX | XX month bank statement considered Alternate Documentation |
| XXXXXX1032 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Note document |
| XXXXXX1501 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Confirmed per Note. |
| XXXXXX1501 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXXXX | XXXXXX | XX month bank statement is alternate documentation. |
| XXXXXX1545 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Confirmed Note date to Note date of XX/XX/XXXX |
| XXXXXX1545 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXXX | XXXXXX | The approved DTI of X.XX% included joint debt totaling $XXXX for each borrower. The joint debt was only required to be included one time in total debt. |
| XXXXXX1545 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXXXX | XXXXXX | XX month bank statement is alternative documentation. |
| XXXXXX2447 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXXXX | XXXXXX | Verified with income documentation provided |
| XXXXXX5359 |  |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXXXX | XXXXXX | Monthly payment of $XXXX is principal and interest payment after the XX year interest only payment. IO payment calculated at $XXX.XX based on X.XX% for XXX months. |
| XXXXXX5359 |  |  | XXXX | Note Date | notePage | XXXXXX | XXXXXX | Confirmed note date. |
| XXXXXX5359 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | DSCR calculated based in I/O, taxes, insurance and HOA and lease agreement of $XXXX. |
| XXXXXX3278 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | Calculated DSCR X.XX based on the subject PITIA and monthly rent. |
| XXXXXX9445 |  |  | XXXX | Property Type | propertyValuationPage | XXXXXX | XXXXXX | property is a townhome |
| XXXXXX6284 |  |  | XXXX | Borrower 1 Self-Employment Flag | the1003Page | XXXXXX | XXXXXX | Application indicated Borrower is self-employed |
| XXXXXX8364 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXXXX | XXXXXX | DSCR; minimal difference. Meets guidelines of X.XX |
| XXXXXX3385 |  |  | XXXX | Borrower 1 Origination FICO | creditLiabilitiesPage | XXXXXX | XXXXXX | B1 FICO score is XXX, as per the lender's credit report in file. |
| XXXXXX1072 |  |  | XXXX | Borrower 1 Origination FICO | creditLiabilitiesPage | XXXXXX | XXXXXX | B1 score of XXX per credit report located in file. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction 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** |
| XXXXXX8861 |  |  | XXXXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX9579 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Title Document is missing The file did not contain the preliminary title commitment or final title policy. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Title Commitment Updated.PDF.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Missing Lender Income Calculation Worksheet | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Income worksheets received. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX income 1.pdf_x000D_<br> XXX income 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Lender provided written exception allowing large deposit of $XXX to be included in borrowers income calculation. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Per the Broker Guidelines dated XX/XX/XXXX, large deposits exceeding XX% of qualifying income into bank accounts must be explained via LOE and must be consistent with the business profile. The deposit of $XXX exceeds the qualifying income and an LOE was not located in the file. Although there are consistent deposits from this client, the deposit of $XXX is significantly higher than the deposits from the other bank statements. Documentation must be provided in the loan file. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-When the program requires an explanation directly from the borrower, the guidelines explicitly dictate this—such as requiring a 'Borrower LOE' for NSFs or an explanation 'from the borrower' for declining income. By contrast, the Business Bank Statement guidelines for large deposits only state that the deposit 'must be explained via LOE and must be consistent with the business profile'. The guidelines do not mandate that this explanation be a borrower-authored document. The program relies on the required Business Narrative to establish the 'operating profile' and 'Client Base'. Our UW analysis serves as the formal explanation for this file, detailing how the $XXXX deposit from XXXX is perfectly consistent with XXXX documented commercial client base. Per the guidelines, 'If LOE is sufficient, no sourcing required'. The analytical explanation provided in the file sufficiently addresses the nature of the deposit based on the established business profile, fully satisfying the guideline requirement without the need for an additional borrower-signed document. - Seller-XX/XX/XXXX _x000D_<br> Counter-Per the Broker Guidelines dated XX/XX/XXXX, large deposits exceeding XX% of qualifying income into bank accounts must be explained via LOE and must be consistent with the business profile. The deposit of $XXX exceeds the qualifying income and an LOE was not located in the file. Although there are consistent deposits from this client, the deposit of $XXX is significantly higher than the deposits from the other bank statements. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-We did not ask for a LOX because the underwriter used this underwriting rationale. The borrower's business, XXXX, received an deposit of $XXX from XXXX. Both entities operate in the same sector: XXX provides consulting, project management, and support to medical professionals, while XXX, which the borrower owns XX%, is a healthcare business development and advisory firm. A review of the banks statements reveal nine additional deposits from XXXX with no corresponding outbound payments. Furthermore, as a purely service-based business with no capital equipment or physical inventory, XXX has no apparent business need for a loan of this magnitude. Therefore, it was reasonable to conclude that this deposit represents subcontract revenue from her largest customer, rather than a loan or liability. - Seller-XX/XX/XXXX _x000D_<br> Counter-Per the Broker Guidelines dated XX/XX/XXXX, large deposits exceeding XX% of qualifying income into bank accounts must be explained via LOE and must be consistent with the business profile. The deposit of $XXX exceeds the qualifying income and an LOE was not located in the file. Exception remains. - Due Diligence Vendor-03/24/2026 _x000D_<br> Ready for Review-Borrower has a large deposit of $XXX from XXXX which was not explained by the borrower. XXX, per their website, provides consulting, project management, training and support to medical professionals. XXX business; XXX XXX, operates as a health care business develpment consulting firm, providing advisory and health program planning services. There are nine other deposits from XXX into the XXX account and no apparent payments back to XXX from XXX. Borrower is XX% owner of XXX and XXX does not own any capital equiement or physical inventory. It is reasonable to conclude that XXX provides consulting and related services to XXX broader customer base on a regular and variable basis and would not have a business need for a loan of that size from the firm she contracts with. The $XXX appears to be subcontract revenue from her largest customer - Buyer-03/23/2026 _x000D_<br> Counter-The income worksheet for account #XXXX reflects a deposit of $XXX that was included in the monthly income calculation of $XXX. Business bank statement guidelines require large deposits (single deposits) exceeding XX% of monthly qualifying income into bank accounts must be explained via LOE and must be consistent with the business profile. If LOE is sufficient, no sourcing required. The LOE should address the specific deposit and be supported by relevant documentation. An LOE and relevant source documentation for the deposit was not provided. Calculated income excluding the $XXX is $XXXX per month. Exception remains - Due Diligence Vendor-03/12/2026 _x000D_<br> Ready for Review-Document Uploaded. See income breakdown. - Seller-XX/XX/XXXX_x000D_<br> Open-Income and Employment Do Not Meet Guidelines Borrower qualified with monthly income of $XXXX using XXXXX. Re-calculation of income excluded deposits from XXX that were from rental income on XXXX property and not attributable to business operations. The Narrative Form in file indicates a health care business development consulting firm. Additionally, XXXX reflected a $XXX deposit from XXXX on XX/XX/XXXX which was not explained or sourced as required by program guidelines. Monthly income of $XXXX was recalculated. DTI increased to XX.X% which exceeds program guideline maximum DTI of XX%. - Due Diligence Vendor-XX/XX/XXXX. | Ready for Review-When the program requires an explanation directly from the borrower, the guidelines explicitly dictate this—such as requiring a 'Borrower LOE' for NSFs or an explanation 'from the borrower' for declining income. By contrast, the Business Bank Statement guidelines for large deposits only state that the deposit 'must be explained via LOE and must be consistent with the business profile'. The guidelines do not mandate that this explanation be a borrower-authored document. The program relies on the required Business Narrative to establish the 'operating profile' and 'Client Base'. Our UW analysis serves as the formal explanation for this file, detailing how the $XXXX deposit from XXXX is perfectly consistent with XXX' documented commercial client base. Per the guidelines, 'If LOE is sufficient, no sourcing required'. The analytical explanation provided in the file sufficiently addresses the nature of the deposit based on the established business profile, fully satisfying the guideline requirement without the need for an additional borrower-signed document. - Seller-XX/XX/XXXX _x000D_<br> Ready for Review-We did not ask for a LOX because the underwriter used this underwriting rationale. The borrower's business, XXX, received an deposit of $XXX from XXXX. Both entities operate in the same sector: XXX provides consulting, project management, and support to medical professionals, while XXX, which the borrower owns 100%, is a healthcare business development and advisory firm. A review of the banks statements reveal nine additional deposits from XXX with no corresponding outbound payments. Furthermore, as a purely service-based business with no capital equipment or physical inventory, XXX has no apparent business need for a loan of this magnitude. Therefore, it was reasonable to conclude that this deposit represents subcontract revenue from her largest customer, rather than a loan or liability. - Seller-03/24/2026 _x000D_<br> Ready for Review-Document Uploaded. See income breakdown. - Seller-03/11/2026_x000D_ | _x000D_ |  | Low LTV: The transaction carries a conservative XX% Loan-to-Value ratio.<br> Strong Credit: The borrower has a high credit score of XXX.<br> Liquidity: The borrower maintains XX months of reserves, demonstrating significant post-closing financial stability | XXXX income 2.pdf_x000D_<br> XXX income 1.pdf_x000D_<br> XXX Mail - XXX XXX Large Deposit Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | Yes | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Lender provided approved written exception - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXX _x000D_<br> Open-A 24 month payment history for the mortgage with XXX #XXX was not provided as required by guidelines. The mortgage was not reported on the credit report. A XX month transaction history for XX/XX/XXXX to XX/XX/XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Open-Housing History Does Not Meet Guideline Requirements A XX month payment history for the mortgage with XXX #XXXX was not provided as required by guidelines. The mortgage was not reported on the credit report. A XX month transaction history for XX/XX/XXXX to XX/XX/XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Acknowledged-Lender provided approved written exception - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  | Credit Profile: The borrower has a XXX FICO score. Furthermore, the credit report reflects an excellent payment<br> history across all tradelines.<br> Substantial Equity: The LTV is in the low XX% range, providing an equity cushion and significantly reducing the risk<br> of default.<br> Strong Liquidity: The borrower has demonstrated deep financial stability with 12 months of verified reserves postclosing.<br> Primary Residence: As a primary residence transaction, the borrower has a high behavioral incentive to maintain<br> timely payments | _assets_documents_non-qm-resources_Non-QM_A+_program (8).pdf_x000D_<br> XXX Mail - XXX (NonQM).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | Yes | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information A | Compliance | Missing Doc | PUD Rider is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Rescinded-PUD Rider received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-PUD Rider is Missing The Deed of Trust does not indicate a PUD rider was attached. The appraisal confirms the subject property is located within a PUD. - Due Diligence Vendor-XX/XX/XXXX. | _x000D_ | Rescinded-PUD Rider received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX Corrected DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Cash reserves less than required by guidelines - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Gift letter received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. See asset calculation. - Buyer-XX/XX/XXXX _x000D_<br> Open-Cash reserves less than required by guidelines The file did not document sufficient funds for reserve requirement of $XXXX. Verified funds equal $XXXX and cash required at closing was $XXXXX. The 1003 reflects gift funds of $XXXX which were not documented with a gift letter or receipt of the gift funds. The gift funds would be sufficient for closing, which would then allow for the assets documented in file to be used for reserves. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Cash reserves less than required by guidelines - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX XXX ARC V4.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Assets | Borrower Short Cash to Close | Resolved-Borrower Short Cash to Close - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Gift letter received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Ready for Review-See asset calculation. - Seller-XX/XX/XXXX _x000D_<br> Open-Borrower Short Cash to Close The file did not document sufficient funds for closing. Verified funds equal $XXXX and cash required at closing was $XXXX. The 1003 reflects gift funds of $XXXX which were not documented with a gift letter or receipt of the gift funds. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-See asset calculation. - Seller-XX/XX/XXXX_x000D_ | Resolved-Borrower Short Cash to Close - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX XXX- Signed gift letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Compliance | QM-ATR | ATR: Reasonable Assets Not Considered | Resolved-ATR: Reasonable Assets Considered - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Open-ATR: Reasonable Assets Not Considered Reasonable Assets is one of the 8 factors required by 1026.43(c), this loan has failed one of the factors and is considered an ATR Risk. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-ATR: Reasonable Assets Considered - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9574 |  |  | XXXXXX D B C A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-DRIVE report received. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX DRIVE Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX1032 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing most recent 12 month draw history on HELOC 2nd | Acknowledged-Under Rate and Term refinance, lender guidelines specifically address Subordinate HELOCS and require proof no draw activity in the last XX months of more than $X. The guidelines are silent on First Lien HELOCS and state that the previous first lien must be seasoned XX months. Borrower first lien opened in XXX. Compensating factors XX% LTV XXX Qualifying credit score - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-"Refinance of a previous loan that provided cash out will be considered a cash out refinance if the loan being refinanced is seasoned for less than XX months (measured from note date to note date)". This is based on the origination date, not the last draw. You're wrong again, the HELOC was originated in XXX - which means it's R&T is the correct designation. Clear this issue. - Seller-XX/XX/XXXX_x000D_<br> Counter-Per the XX/XX/XXXX guidelines, a previous loan that provided cash out to the Borrower in the most recent XX months will be considered a cash out refinance. The subject lien paid off at closing, although in first lien position, is a HELOC. There is no evidence in file to indicate the Borrower did not receive any draws from the HELOC over the most recent XX months. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-That's incorrect and again, being misinterpreted. The guideline in the R&T section, specifically says "rate and term may also pay off an existing subordinate lien on the subject property subject to the following" and "The subordinate lien is a HELOC and less than $XXXX has been drawn in the past XX months (XX months measured in arrears from the subject's note date)". As I stated, this is not a subordinate lien, the HELOC is in first lien position and therefore not subject to the draw requirements. Please escalate. - Seller-XX/XX/XXXX _x000D_<br> Counter-Per the Broker Guidelines dated 12/24/2025, a refinance of a previous loan that provided cash out will be considered a cash out refinance if the loan being refinanced is seasoned for less than 12 months. Any HELOC paid off at closing for a rate/term refinance must be documented with the most recent 12 months of activity. A HELOC with a draw in the most recent 12 months may not be eligible for a rate/term refinance. A 12 month history of the HELOC is required to determine if any draws were made in the most recent 12 months. Exception remains; however, the loan may meet requirements for a cash out refinance. - Due Diligence Vendor-03/25/2026 _x000D_<br> Ready for Review-The HELOC was in 1st lien position. As it was not a subordinate lien, the guidelines requiring draw information do not apply. - Seller-03/23/2026 _x000D_<br> Open-The subject loan proceeds were used to payoff a HELOC. The most recent 12 month draw history was not provided. - Due Diligence Vendor-03/18/2026 | Ready for Review-"Refinance of a previous loan that provided cash out will be considered a cash out refinance if the loan being refinanced is seasoned for less than XX months (measured from note date to note date)". This is based on the origination date, not the last draw. You're wrong again, the HELOC was originated in XXXX - which means it's R&T is the correct designation. Clear this issue. - Seller-XX/XX/XXXX _x000D_<br> Ready for Review-That's incorrect and again, being misinterpreted. The guideline in the R&T section, specifically says "rate and term may also pay off an existing subordinate lien on the subject property subject to the following" and "The subordinate lien is a HELOC and less than $XXXX has been drawn in the past XX months (XX months measured in arrears from the subject's note date)". As I stated, this is not a subordinate lien, the HELOC is in first lien position and therefore not subject to the draw requirements. Please escalate. - Seller-XX/XX/XXXX _x000D_<br> Ready for Review-The HELOC was in 1st lien position. As it was not a subordinate lien, the guidelines requiring draw information do not apply. - Seller-XX/XX/XXXX_x000D_ | Acknowledged-Under Rate and Term refinance, lender guidelines specifically address Subordinate HELOCS and require proof no draw activity in the last XX months of more than $XX. The guidelines are silent on First Lien HELOCS and state that the previous first lien must be seasoned XX months. Borrower first lien opened in XXX. Compensating factors XX% LTV XXX Qualifying credit score - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX | No | XXXXXX |
| XXXXXX1032 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information A | Property | Data | No Property Findings | Resolved-informational - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-informational - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX1032 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Documentation received; exception cleared - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Property Title Issue The Title reflects a judgement for child support and the Closing Disclosure reflects a payoff for child support in the amount of $XXXX; however, the file does not contain a payoff to determine the total amount was satisfied. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Payoff Child Support.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX1501 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-CPA letter provided ownership confirmed - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Income and Employment Do Not Meet Guidelines Guidelines require ownership percentage must be documented via CPA letter, Operating Agreement or equivalent. 3rd party documentation of the business ownership percentage was not located. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-CPA letter provided ownership confirmed - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - XX.XX% DTI is below maximum DTI of XX% | Qualifying DTI below max allowed. - XX.XX% DTI is below maximum DTI of XX% | XXX Ownership Letter.docx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX1501 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. It was pulled on XX/XX/XXXX. - Buyer-XX/XX/XXXX _x000D_<br> Counter-The document provided from XXX reflects the business; however, was last updated on XX/XX/XXXX. The document does not reflect the date this was obtained from XXX. Per the Broker guidelines dated XX/XX/XXXX, verification of business existence and that the business is fully operational/active dated within XX calendar days of closing is required. A dated document to meet this requirement was not located in file. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-03/25/2026 _x000D_<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guideline requires verification of business existence and that the business is fully operational/active within 10 calendar days of closing. A 10 day verification was not provided. - Due Diligence Vendor-03/10/2026 | _x000D_ | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - XX.XX% DTI is below maximum DTI of XX% | Qualifying DTI below max allowed. - XX.XX% DTI is below maximum DTI of XX% | XXX XXX VVOE.png_x000D_<br> VVOE.pdf_x000D_<br> XXX VVOE.pdf_x000D_<br> XXX XXX VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX1501 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Acknowledged-Program guidelines state that NSFs may require a Borrower LOE documenting they are not due to financial mishandling or insufficient income. A maximum of X NSF occurrences within a twelve-month period are allowed. If there are zero occurrences in the most recent three-month period, up to 6 occurrences in the most recent twelve month period are acceptable. NSFs should be covered with deposits shortly after they are incurred. An LOE from the Borrower was not located. The file contains an approved exception to allow X NSFs within XX months. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-Program guidelines state that NSFs may require a Borrower LOE documenting they are not due to financial mishandling or insufficient income. A maximum of 3 NSF occurrences within a twelve-month period are allowed. If there are zero occurrences in the most recent three-month period, up to 6 occurrences in the most recent twelve month period are acceptable. NSFs should be covered with deposits shortly after they are incurred. An LOE from the Borrower was not located. The file contains an approved exception to allow 4 NSFs within 12 months. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - XX.XX% DTI is below maximum DTI of XX% | XX30 X 24 Mortgage History, FICO XX points above maximum, DTI below max by X%, LTV XX% under max allowance | XX30 X 24 Mortgage History, FICO XX points above maximum, DTI below max by X%, LTV XX% under max allowance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX | Yes | XXXXXX |
| XXXXXX1545 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Document provided and accepted - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Per the Broker Guidelines dated XX/XX/XXXX, the Property Insurance only addresses coverage requirements. However, per the broker guideline, it states will originate in accordance with applicable underlying agency (FNMA or FHLMC) unless otherwise noted in the guidelines. As the guidelines do not address the required account holders of the policy, agency guidelines were reviewed. FNMA and FHLMC require all Borrowers to be reflected as a policy holder. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Why does B2 need to appear on the Insurance declaration? Any of the borrowers can obtain the insurance. - Seller-XX/XX/XXXX _x000D_<br> Open-Named Insured does not match Borrower(s) Name(s) Borrower 2 name does not appear on homeowner's insurance declaration page. - Due Diligence Vendor-03/11/2026 | Ready for Review-Why does B2 need to appear on the Insurance declaration? Any of the borrowers can obtain the insurance. - Seller-XX/XX/XXXX_x000D_ | Resolved-Document provided and accepted - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - X.XX% DTI is below maximum DTI of XX%. _x000D_<br> Months Reserves exceed minimum required - XX months reserves exceeds the minimum X months reserves by X months |  | XXX.pdf_x000D_<br> XXX Lender Inquiry, View Policy Details XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX1545 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. See attached approval to accept the loan. - Seller-XX/XX/XXXX _x000D_<br> Counter-Per program guidelines, a signed letter from a CPA or Underwriter Cash Flow Analysis verifying that the withdrawal of funds for the transaction will not have a negative impact on the business is required. Documentation must be provided in the loan file to meet this requirement. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Cash Flow Analysis:<br> XXXX is an online reseller with most deposits coming from XXXX and, to a much smaller degree, XXXX. The products that feature most prominently in their storefront and those for which XXXX literally does the heavy lifting. Ice-melt sidewalk salt, pool chemicals, household cleaners, fuel additives, though there is a diverse mix of products including garden equipment and rubber boots.<br>While cash outflows very closely match inflows, there are XXX months where withdrawals exceeded deposits:<br>July withdrawals were XX% of deposits. The difference was $XXXX of which $XXXX was a transfer to savings. Major outlays were $XXXX to XXX. Most of these XXX payments were in even ten-thousand-dollar increments, suggesting great flexibility in managing debt and indeed, most months are pretty closely matched. Other debt payments are largely revolving accounts including XXX, XXX and Uncapped, which appears to market specifically to ecommerce brands. The mixture of large, even-thousand payments and credit card payments which include odd cents suggests that many of these accounts are able to be paid in full monthly.<br>August withdrawals were 104% of deposits, the difference being $53,246.05. $30,000 was transfers to personal checking XXX - not used for qualification. August debt payments were similar to July.<br>October withdrawals were 100.4% of deposits - just $5943.17 higher. $20,000 was a transfer to checking XXX.<br>December withdrawals were 102% of deposits, the difference being $33,749.26. $100,000 was a transfer to savings XXX. $20,000 was a transfer to checking XXX. <br> Debt payments are similar to other months.<br>January withdrawals were 103% of deposits, the difference being $31,773.60. $25,000 of this was a transfer to savings XXX. $4774 were payments to<br> XXX brokerage.<br>Funds needed for closing were $XXX and needed reserves were $40,734 for a total of $XXX. Of the funds verified, $207,517 was from borrower's dba XXXX business account that was not used for income. Of the other $109,048.05, $100,565.93 was verified in the XXXX savings account XXX mentioned above. The balance of $8,482.12 is all that was required from the business checking account, which at the end of January, had a balance of just $22,263, but which annually has an average closing balance of $60,130 - 14% of the average ending balance for a company with $12,814,335 in annual sales.<br>All of the cash to close and 79% of the reserve requirement are met without the use of the business checking account. Borrowers' positive cash flow is continual and signficant. Their use of revolving debt allows for a great deal of discretion in managing the cash balance and interest cost. The existence of this large business savings account, while utilizing revolving debt, suggests that it was intended for the purchase of the subject property, rather than needed for business purposes.<br> - Buyer-04/03/2026 _x000D_<br> Open-Asset Qualification Does Not Meet Guideline Requirements Funds from borrower's business accounts for XXX were used for closing and reserves. Business assets are an acceptable source of funds for down payment, closing costs and reserves per program guidelines with a signed letter from a CPA or Underwriter Cash Flow Analysis verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. A CPA letter or Cash Flow Analysis was not provided. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. See attached approval to accept the loan. - Seller-XX/XX/XXXX_x000D_ | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - X.XX% DTI is below maximum DTI of XX%. _x000D_<br> Months Reserves exceed minimum required - XX months reserves exceeds the minimum X months reserves by X months |  | XXX Mail - Loan #XXX (XXX) Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX1545 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Business Narrative received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Income and Employment Do Not Meet Guidelines Guidelines require a Business Narrative when business bank statements are used to qualify. The Business Narratives in file are incomplete. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - X.XX% DTI is below maximum DTI of XX%. _x000D_<br> Months Reserves exceed minimum required - XX months reserves exceeds the minimum X months reserves by X months |  | XXX SEBN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX1545 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material B | Property | Appraisal | Property Issues Present | Acknowledged-Property Issues Present Properties zoned agricultural, commercial or industrial or properties with agricultural features (e.g. vineyards, farm, hobby farms, ranches, orchards, equestrian facilities) are Ineligible. The appraisal reflects the subject property is zoned residential/agricultural. The property is described as having a XXX. The XXX signage reflects XXXX which is a business owned by the property seller. Based on the appraisal, the property in ineligible per program guides. The file contains an approved exception to allow property zoned agriculture with an XX% LTV. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-Property Issues Present Properties zoned agricultural, commercial or industrial or properties with agricultural features (e.g. vineyards, farm, hobby farms, ranches, orchards, equestrian facilities) are Ineligible. The appraisal reflects the subject property is zoned residential/agricultural. The property is described as having a large XXX. The XXX signage reflects XXX which is a business owned by the property seller. Based on the appraisal, the property in ineligible per program guides. The file contains an approved exception to allow property zoned agriculture with an XX% LTV. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying DTI below max allowed. - X.XX% DTI is below maximum DTI of XX%. _x000D_<br> Months Reserves exceed minimum required - XX months reserves exceeds the minimum X months reserves by X months | 0 X30 X 24 Mortgage History, FICO XX points above minimum, Reserves > X mos than requirement, DTI below max by X% | 0 X30 X 24 Mortgage History, FICO XX points above minimum, Reserves > X mos than requirement, DTI below max by X% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | Yes | XXXXXX |
| XXXXXX2447 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income Not Considered | Resolved-ATR: Reasonable Income Considered - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Open-ATR: Reasonable Income Not Considered - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-ATR: Reasonable Income Considered - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX2447 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Statements received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Income and Employment Do Not Meet Guidelines Asset Depletion was used for qualifying income. Monthly income of $XXXX was used to qualify based on qualifying assets of $XXXX. XXXXX #XXX used in the calculation of assets was missing from the file. Qualifying account statements in file document qualifying assets totaling $XXXX resulting in monthly income of $XXXX. The DTI increased from XX.XX% to XX.XX% which exceeds the guideline maximum DTI of XX%. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | MergedDocument.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX2447 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document provided to reflect the proposed coverage amount; exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. This is a prelim title commitment, final title will include the coverage amount. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Title commitment received; however, the coverage amount was not reflected. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Title Document is missing The file did not contain the preliminary title commitment or final title policy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Prelim.pdf_x000D_<br> Supplemental ReportProposed Insured.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX5359 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. Sorry, see attached corrected committment. - Buyer-XX/XX/XXXX _x000D_<br> Counter-The title commitment provided does not belong to the subject loan Borrower or property. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Title Document is missing The file did not contain a preliminary commitment or final title policy. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Title Commitment - XXXXXXth 3_36 PM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX5595 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Missing Lender Income Calculation Worksheet | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Income worksheet received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. income calculation of $XXXX based upon 100% ownership and XX%. Company website is not secure, but their facebook page shows group photos with more than X people. Qualifying income is per the 1003: $XXXX - Buyer-XX/XX/XXXX _x000D_<br> Open-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-03/18/2026 | _x000D_ | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX exclusions.pdf_x000D_<br> XXX analysids.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX8411 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Missing Lender Income Calculation Worksheet | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Income worksheet received. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Borrower 1 Missing Lender Income Calculation Worksheet The income worksheet was not located in file, therefore, the lender's income calculation could not be determined. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Borrower 1 Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | QUALIFIED INCOME CALCULATION V2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Guidelines require the following transaction participants must be included in the fraud report: borrowers, property sellers, and settlement agents. The document provided does not indicate the Borrower or Seller was verified. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-This is all covered on page 2 of the report. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Received 4 page DRIVE report which did not contain evidence that all Interested Parties were checked with Exclusionary Lists. Guidelines require the following transaction participants must be included in the fraud report: borrowers, property sellers, and settlement agents. The Risk Assessment report appears to be missing pages and is missing the check for the transaction participants. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-All Interested Parties Not Checked with Exclusionary Lists Guidelines require the following transaction participants must be included in the fraud report: borrowers, property sellers, and settlement agents. The Risk Assessment report is missing the check for the transaction participants. - Due Diligence Vendor-03/05/2026 | _x000D_ | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | DataVerify.pdf_x000D_<br> DataVerify.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Missing Letter of Explanation (Assets) - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Per client, deducting large deposits from balances results in sufficient funds for closing and reserves. Balances updated; exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-We had $XXXX in excess reserves. Backing out the $XXXX & $XXX, leaves us with enough assets to cover ($XXXX). - Buyer-XX/XX/XXXX _x000D_<br> Counter-Transfer deposit on XX/XX/XXXX for $XXXX and transfer deposit on XX/XX/XXXX for $XXXX were not explained or sourced. The accounts from which the transfers originated were not documented as belonging to the borrower. DSCR General Asset Requirements require large deposits should be in line and consistent with the borrower's overall credit and may require a signed LOE. A signed LOE was not located. Exception remains.<br> - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-The guideline being cited is when Assets are being used for income, not when Assets are being used for Closing Costs/ Reserves. - Buyer-03/12/2026 _x000D_<br> Open-Missing Letter of Explanation (Assets) Transfer deposit on XX/XX/2025 for $60,000 and transfer deposit on XX/XX/2025 for $25,000 were not explained or sourced. The accounts from which the transfers originated were not documented as belonging to the borrower. Guidelines require large deposits should be in line and consistent with the borrower's overall credit and may require a signed LOE. A signed LOE was not located. - Due Diligence Vendor-03/05/2026 | _x000D_ | Resolved-Missing Letter of Explanation (Assets) - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit Missing | Resolved-Business Purpose Affidavit Missing - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document received; exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Counter-Occupancy certification was located in file; however, the business purpose affidavit was not located in file. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. Box #3 contains all the requirements needed per the reg to confirm the business purpose exemption/purpose. As this is a purchase of an investment property, there is no cash out being taken from the loan that further clarification/representations is required. - Seller-XX/XX/XXXX _x000D_<br> Open-Business Purpose Affidavit Missing Per DSCR guidelines, all individuals signing the Note must execute the Business Purpose Affidavit. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX _x000D_<br> Ready for Review-Document Uploaded. Box #3 contains all the requirements needed per the reg to confirm the business purpose exemption/purpose. As this is a purchase of an investment property, there is no cash out being taken from the loan that further clarification/representations is required. - Seller-XX/XX/XXXX_x000D_ | Resolved-Business Purpose Affidavit Missing - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Occupancy Certification (2).pdf_x000D_<br> business-purpose-occupancy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Resolved-Received updated 1008. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. Reviewed tri-merge credit report dated XX/XX/XXXX. Mortgage history is satisfactory with no delinquencies, foreclosures, or short sales. Form 1008 indicates pre-foreclosure/short sale, but the final 1003 does not. XXX report shows zero public records. Form 1008 has been updated; clarification is noted.<br>- Buyer-XX/XX/XXXX _x000D_<br> Open-A prior pre-foreclosure was disclosed by the borrower as noted on the 1008. The initial and final application declaration pages do not reflect a disclosure for pre-foreclosure. The discrepancy between the statement on the 1008 and the declaration on the 1003s was not addressed in the file. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Received updated 1008. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Received mortgage statement and rent free letter. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. The loan file contained a copy of the mortgage statement, confirming the borrower is not financially liable for the repayment of the loan. As such, this is confirmation the borrower is living rent free. Other financial docs in file confirm his address of residence. - Seller-XX/XX/XXXX _x000D_<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower disclosed no primary housing expense on the 1003. Per guidelines, if borrower is living rent free as a dependent with family and a XX month housing history is not applicable,<br> then a rent free letter is required, which was not located in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. The loan file contained a copy of the mortgage statement, confirming the borrower is not financially liable for the repayment of the loan. As such, this is confirmation the borrower is living rent free. Other financial docs in file confirm his address of residence. - Seller-XX/XX/XXXX_x000D_ | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Mortgage That His Wife Pays For.pdf_x000D_<br> XXX_LOE_-Housing_Arrangement_.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3278 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Title Commitment received. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _x000D_<br> Open-Title Document is missing The file did not contain the preliminary title commitment or final title policy. The document provided in the loan file does not belong to the Borrower or subject property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_x000D_ | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | Title Commitment (5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9445 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Processor certification received. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Asset Qualification Does Not Meet Guideline Requirements An asset account of the borrower's non-borrowing spouse was used to qualify. The assets of non-borrowing spouse are eligible with an executed relationship letter as required by guidelines. An executed letter from the non-borrowing spouse was not provided. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX Processor Cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9445 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Income/Employment | Income/Employment General | Resolved-Received legible Operating Agreement. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX_x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-The Operating Agreement of XXXX was illegible. It could not be determined if the entity met qualification as required by guidelines for borrower eligibility. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Received legible Operating Agreement. Condition cleared. - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX_XXX_credit_misc.4.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX9445 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. The file contains an approved exception for use of mortgage history reported on credit report, per XX/XX/XXXX guidelines, which reflects 0xXxX, mortgage open date of XX/XX/XXXX. All previous mortgages paid as agreed no lates reported. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. The file contains an approved exception for use of mortgage history reported on credit report, per XX/XX/XXXX guidelines, which reflects XxXxX, mortgage open date of XX/XX/XXXX. All previous mortgages paid as agreed no lates reported. - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  | 0 X30 X 20 Mortgage History, FICO XX points above minimum, Reserves > X mos than requirement, LTV XX% under max allowance <br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | No | XXXXXX |
| XXXXXX4409 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Approved exception in file - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage document is missing. Per client XX/XX/XXXX guidelines, housing payment history must be documented with XX months cancelled checks, bank debits or institutional VOM. The file contains an approved exception for use of mortgage history reported on the credit report. The credit report reflects X mortgages, each reporting more than 24 months, with a 0xXxX history. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-Approved exception in file - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage document is missing. Per client XX/XX/XXXX guidelines, housing payment history must be documented with X months cancelled checks, bank debits or institutional VOM. The file contains an approved exception for use of mortgage history reported on the credit report. The credit report reflects X mortgages, each reporting more than XX months, with a XxXxX history. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points._x000D_<br> Subject LTV significantly less than required - XX% LTV is below the maximum XX% LTV by X%. | 0 X30 X 24 Mortgage History, Reserves > X mos than requirement, Time at employment > X years | 0 X30 X 24 Mortgage History, Reserves > X mos than requirement, Time at employment > X years | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX | No | XXXXXX |
| XXXXXX6307 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit Missing | Resolved-Business Purpose Affidavit Missing - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Complete signed document provided. Exception cleared. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. The signature page was a page ahead in the package provided to you. - Buyer-XX/XX/XXXX _x000D_<br> Open-Business Purpose Affidavit Missing The document provided was not signed. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Business Purpose Affidavit Missing - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX BPA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX6284 |  |  | XXXXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX4884 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Gap letter provided by Insurance company - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. Disagree with the finding. The package delivered contains a gap letter confirming no claims between disbursement & effective date. - Buyer-XX/XX/XXXX _x000D_<br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Gap letter provided by Insurance company - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Months Reserves exceed minimum required - XX.XX months Reserves exceeds the minimum X months required by XX.XX months_x000D_<br> Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points. |  | No Claims Letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX4884 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Acknowledged-The origination credit report dated XX/XX/XXXX was XX days old as of the note date. Guidelines require the credit report be no older than 90 days at the note date. The file contains an exception for the expired credit report. The file also contains a post close credit report dated XX/XX/XXXX reflecting no new debt or derogatory credit prior to the note date. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-The origination credit report dated XX/XX/XXXX was XX days old as of the note date. Guidelines require the credit report be no older than 90 days at the note date. The file contains an exception for the expired credit report. The file also contains a post close credit report dated XX/XX/XXXX reflecting no new debt or derogatory credit prior to the note date. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Months Reserves exceed minimum required - XX.XX months Reserves exceeds the minimum X months required by XX.XX months_x000D_<br> Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points. | 0 X30 X 24 Mortgage History, FICO XX points above minimum, Reserves > X mos than requirement | 0 X30 X 24 Mortgage History, FICO XX points above minimum, Reserves > X mos than requirement | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | No | XXXXXX |
| XXXXXX5958 |  |  | XXXXXX D A C B | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material C B | Property | Property | Subject property was listed for sale within a time period not allowed per guidelines | Acknowledged-Signed exception, dated XX/XX/XXXX, provided to allow for usage of later dated guidelines. Exception downgraded. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. See SLE approval. - Buyer-XX/XX/XXXX _x000D_<br> Counter-Per the appraisal, the subject was listed on XX/XX/XXXX for $XXXX and withdrawn from the market on XX/XX/XXXX. The file contains a letter of explanation from the Borrowers stating "considered trying to sell our property at XXX XXXX. We changed our mind and decided to turn it into a short term rental investment property". The subject loan is a cash out refinance. Per guidelines for a cash out refinance transaction, properties listed for sale less than or equal to XX months from the application date are ineligible for a cash out refinance. The documentation provided supports the property was listed for sale during the construction of the subject property. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-This guideline is being misinterpreted. Per XXX, the property was listed in XXX 2025 when it was just XXX. As you can see via the Appraisal and COO in file the certificate of occupancy was just issued on XXX/XX/2025. - Buyer-03/03/2026 _x000D_<br> Open-The subject was approved as a cash out refinance. The CD reflects the payoff of two debts, of which, only one is reflected on the title commitment. The application date is XX/XX/2025. The appraisal indicates the subject property was listed on XX/XX/2025 and was withdrawn on XX/XX/2025. Per guidelines dated XX/XX/2025 for cash out refinance transactions, properties listed for sale less than or equal to 12 months from the application date are ineligible for a cash out refinance. - Due Diligence Vendor-03/02/2026 | _x000D_ | Acknowledged-Signed exception, dated XX/XX/XXXX, provided to allow for usage of later dated guidelines. Exception downgraded. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points._x000D_<br> Months Reserves exceed minimum required - XXX.XX months Reserves exceeds the minimum 6 months required by XXX.XX months | FICO XX points above minimum, LTV XX% under max allowance | Request 1_Version 2_Approved.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX | No | XXXXXX |
| XXXXXX5958 |  |  | XXXXXX D A C B | Seller | XXXXXX | XXXXXX | XXXXXX | Open | 3 - Material D | Credit | Missing Doc | Flood Insurance Policy Missing | Open-Missing Flood Insurance Policy, per guidelines Flood insurance is required when a loan is secured by a property located in a CBRS or otherwise protected area. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | _x000D_ | Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points._x000D_<br> Months Reserves exceed minimum required - XXX.XX months Reserves exceeds the minimum X months required by XXX.XX months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX5958 |  |  | XXXXXX D A C B | Seller | XXXXXX | XXXXXX | XXXXXX | Open | 3 - Material C | Credit | Title | Satisfactory Chain of Title not Provided | Open-Unsatisfactory Chain of Title provided The title commitment reflects vested as XXX and XXX. A warranty deed in file reflects XXXX to the Borrowers; however, a deed from XXXX to the Borrowers was not located in file. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | _x000D_ | Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points._x000D_<br> Months Reserves exceed minimum required - XXX.XX months Reserves exceeds the minimum X months required by XXX.XX months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX3580 |  |  | XXXXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX |  | XXXXXX |
| XXXXXX1836 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Acknowledged-Exception approved on XX/XX/XXXX to allow for the loan amount to exceed initial investment. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. Exception was made to allow for the loan amount to be greater than the borrower's initial investment - Buyer-XX/XX/XXXX _x000D_<br> Open-The subject loan is a delayed financing transaction. Per the XX/XX/XXXX guidelines for a cash out refinance delayed financing, the new loan amount can be no more than the actual documented amount of the Borrower's initial investment subject to the maximum LTV/CLTV for cash out transactions. The initial investment per the original CD for the purchase was $XXXX, which was the purchase price and closing costs. The subject loan amount is $XXXX, which exceeds the initial investment. The loan is not eligible under the DSCR guidelines for delayed financing. - Due Diligence Vendor-XX/XX/XXXX | XxXxX mortgage history, FICO X points above minimum, reserves > X mos than requirement, Time at employment > X years, LTV X% under max allowance - XX/XX/XXXX _x000D_<br> _x000D_<br> _x000D_ | Acknowledged-Exception approved on XX/XX/XXXX to allow for the loan amount to exceed initial investment. - Due Diligence Vendor-XX/XX/XXXX_x000D_ | Months Reserves exceed minimum required - XXX.XX months Reserves exceeds the minimum X months required by XXX.XX months | Months Reserves exceed minimum required - XXX.XX months Reserves exceeds the minimum X months required by XXX.XX months | Request 3_Version 2_Approved_With_Adjustments.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX | XXXX | XX | No | XXXXXX |
| XXXXXX8364 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Resolved-Document received; exception cleared - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _x000D_<br> Open-Per guidelines, any revolving or installment account that was more than 60 days delinquent in the four years from the subject Note date must be fully explained and documented in file. The Note is dated XX/XX/XXXX. The credit report reflects XxXX days late in XX/XX/XXXX and XX/XX/XXXX with a XxX-X days late in XX/XX/XXXX. A letter of explanation was not located. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-Document received; exception cleared - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  | XXX XXX LOX (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX8364 |  |  | XXXXXX D A | Closed | XXXXXX | XXXXXX | XXXXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-1008 in file states DSCR accepted - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-This is not required on DSCR loans, as the program itself is not GSE eligible. This LOE is only required when closing as a full doc income loan. 1008 shows this as a DSCR ratio loan several times. <br> - Buyer-XX/XX/XXXX _x000D_<br> Counter-Per the applicable guidelines dated XX/XX/XXXX, all loans must include documentation in the file that transaction was either Not GSE eligible or the price and/or terms of the transaction in the DSCR program was more beneficial to the Borrower than the comparable GSE program. File must evidence of GSE ineligibility, the file must contain either DU or LPA underwriter findings report or 1008 form - Underwriter must document the reasons for GSE ineligibility. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-This is not required on DSCR loans, as the program itself is not GSE eligible. This LOE is only required when closing as a full doc income loan. - Buyer-XX/XX/XXXX _x000D_<br> Open-Per guidelines, all loans must include documentation the transaction was either Not GSE eligible or the price and/or terms of the transaction in the DSCR program was more beneficial to the Borrower than the comparable GSE program. The file did not contain this required documentation. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Resolved-1008 in file states DSCR accepted - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |
| XXXXXX3385 |  |  | XXXXXX D B A | Closed | XXXXXX | XXXXXX | XXXXXX | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Accepted business purpose affidavit. Not GSE eligible. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Counter-Per the applicable guidelines dated XX/XX/XXXX, all loans must include documentation in the file that transaction was either Not GSE eligible or the price and/or terms of the transaction in the DSCR program was more beneficial to the Borrower than the comparable GSE program. File must evidence of GSE ineligibility, the file must contain either DU or LPA underwriter findings report or 1008 form - Underwriter must document the reasons for GSE ineligibility. Additionally, the approved DSCR ratio was not disclosed in the loan file. Exception remains. - Due Diligence Vendor-XX/XX/XXXX _x000D_<br> Ready for Review-This is not required on DSCR loans, as the program itself is not GSE eligible. This LOE is only required when closing as a full doc income loan.<br> - Buyer-XX/XX/XXXX _x000D_<br> Open-Per guidelines, all loans must include documentation the transaction was either Not GSE eligible or the price and/or terms of the transaction in the DSCR program was more beneficial to the Borrower than the comparable GSE program. The file did not contain this required documentation. Additionally, the approved DSCR ratio was not disclosed in the loan file. - Due Diligence Vendor-XX/XX/XXXX | _x000D_ | Acknowledged-Accepted business purpose affidavit. Not GSE eligible. - Due Diligence Vendor-XX/XX/XXXX_x000D_ |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX | No | XXXXXX |
| XXXXXX1072 |  |  | XXXXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | XX | XXXX | XXXX |  | XX |  | XXXXXX |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **Unnamed: 1** | **Unnamed: 2** | **Unnamed: 3** | **Unnamed: 4** | **INITIAL CREDIT LOAN GRADES** | **Unnamed: 6** | **Unnamed: 7** | **Unnamed: 8** | **Unnamed: 9** | **INITIAL COMPLIANCE LOAN GRADES** | **Unnamed: 11** | **Unnamed: 12** | **Unnamed: 13** | **Unnamed: 14** | **INITIAL PROPERTY LOAN GRADES** | **Unnamed: 16** | **Unnamed: 17** | **Unnamed: 18** | **Unnamed: 19** | **INITIAL OVERALL LOAN GRADES** | **Unnamed: 21** | **Unnamed: 22** | **Unnamed: 23** | **Unnamed: 24** | **FINAL CREDIT LOAN GRADES** | **Unnamed: 26** | **Unnamed: 27** | **Unnamed: 28** | **Unnamed: 29** | **FINAL COMPLIANCE LOAN GRADES** | **Unnamed: 31** | **Unnamed: 32** | **Unnamed: 33** | **Unnamed: 34** | **FINAL PROPERTY LOAN GRADES** | **Unnamed: 36** | **Unnamed: 37** | **Unnamed: 38** | **Unnamed: 39** | **FINAL OVERALL LOAN GRADES** | **Unnamed: 41** | **Unnamed: 42** | **Unnamed: 43** | **Unnamed: 44** |
| Loan ID | Seller Loan ID | Investor Loan ID | Transaction ID | Original Loan Amount | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys | DBRS/Morningstar | Fitch | Kroll | S&P | Moodys |
| XXXXXX8861 |  |  | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX9579 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX9574 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX1032 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX1501 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX1545 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXXXXX2447 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX5359 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX5595 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX8411 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX3278 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX9445 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX4409 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX6307 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX6284 |  |  | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX4884 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX5958 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | D | D | D | D | D |
| XXXXXX3580 |  |  | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX1836 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX8364 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX3385 |  |  | XXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXXXX1072 |  |  | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** |
| XXXXXX8861 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX9579 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX9574 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  |  |  |  | X |  |  | X | X |  |  | X | X |  |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX1032 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  |  |  |  | X |  |  | X | X |  |  | X | X |  |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  | XX | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX1501 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  |  |  |  | X |  |  | X | X |  |  | X | X |  |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX1545 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X |  |  |  | X |  | X | X | X | X | X | X | X |  |  | X | X | X | X | X | X | X | X | XX |  | XX | XX | X.XX% | X.XX% |  |  |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX2447 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X |  |  |  | X |  | X | X | X | X | X | X | X |  |  | X | X | X | X | X |  | X | X | XX |  | XX | XX | X.XX% | X.XX% | X.XX% | XXXX |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX5359 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX5595 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX | X | X |  |  |  | X |  | X | X | X | X | X | X | X |  |  | X | X | X | X | X | X | X | X | XX |  | XX | XX | X.XX% | X.XX% |  |  |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX8411 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  |  | 0 | XX/XX/XXXX | X.XX% | XXXX | XXXX | No | X.XX% |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  |  |  |  | X |  |  | X | X |  |  | X | X |  |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX3278 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX9445 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX4409 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX6307 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX6284 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX4884 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX5958 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  | XX | XX | X.XX% |  |  | XXXX |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX3580 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XX | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX | X |  |  |  |  | X |  |  | X | X |  |  | X | X |  |  | X | X | X | X | X | X | X | X | XX |  |  |  | X.XX% | X.XX% |  |  |  | X |  |  |  |  | XX | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX |  |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX1836 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  | Interest Only |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX8364 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | NC | XXXX |  | XX | X.XX% | X.XX% | X.XX% | XXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  |  |  | X.XX% |  |  |  |  | X |  |  |  |  |  | XX | XX |  |  | X | X |  |  |  | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX3385 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  | XX | XX | X.XX% |  |  |  |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| XXXXXX1072 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | ATR/QM: Not Applicable | No | No | No |  |  |  |  |  | XXXX | XXXX | No |  |  | X.XX% | X.XX% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  | X.XX% | X.XX% | X.XX% | XXX | XXX |  |  |  |  |  |  | XXXX | XXX |  |  |  |  | XXXX |  |  |  |  |  | X |  |  |  |  |  |  | X | X |  |  | X | X | X | X | X |  | X | X | XX |  | XX | XX | X.XX% |  |  |  |  | X |  |  |  | X |  | XX | XX | XX |  | X | X |  |  | X | X |  | XX | XX | XX |  | XXXXXXX | XXXXXX | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |

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| **Loan ID** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXXXX8861 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 75 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX9579 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 71.83 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX9574 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 50 |  | XX | XX | No | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX1032 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 48 |  | XX | XX | No | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX1501 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 55.56 |  | XX | XX | No | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX1545 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 75 |  | XX | XX | No | XXXXXX | XXXXXX |  |  |  |  |  |  |
| XXXXXX2447 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 31.72 |  | XX | XX | No | XXXXXX | XXXXXX |  |  | XXXX | XXXX |  |  |
| XXXXXX5359 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 58.76 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX5595 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 41.61 |  | XX | XX | No | XXXXXX | XXXXXX |  |  |  |  |  |  |
| XXXXXX8411 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 70 |  | XX | XX | No | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX3278 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 75 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX9445 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 60 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX4409 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 65 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX6307 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 29.19 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX6284 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 65 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX4884 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  | XX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 75 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX5958 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 57.1 |  | XX | XX | Yes | XXXXXX | XXXXXX |  |  |  |  |  |  |
| XXXXXX3580 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  |  |  |  | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 63.93 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX1836 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 64.42 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX8364 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 75 |  | XX | XX | Yes | XXXXXX |  |  |  |  |  |  |  |
| XXXXXX3385 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X |  |  |  |  | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 80 |  | XX | XX | Yes | XXXXXX | XXXXXX |  |  |  |  |  |  |
| XXXXXX1072 |  |  |  |  |  |  |  |  |  |  |  |  | X |  |  |  | X |  |  | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | X | XXXX | XX |  |  |  |  |  |  | XX | XX | XX |  | XX |  | XX | XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XX | XX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XX | XX |  | XXXXXX | XX | XXXXXX | XXX | No | 80 |  | XX | XX | Yes | XXXXXX | XXXXXX |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Neighborhood location** | **Property Value Trend** | **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** |
| XXXXXX8861 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 75 | 75 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX9579 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 71.83 | 71.83 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX9574 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 50 | 50 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX Eligible |  |  |
| XXXXXX1032 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 48 | 48 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX Eligible |  |  |
| XXXXXX1501 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 55.56 | 55.56 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX Eligible |  |  |
| XXXXXX1545 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 75 | 75 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX2447 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 31.72 | 31.72 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXX | XXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX5359 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 58.76 | 58.76 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX5595 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 41.61 | 41.61 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX8411 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 70 | 70 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX3278 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 75 | 75 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX9445 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 60 | 60 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX4409 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 65 | 65 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXX | XXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX6307 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 29.19 | 29.19 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX Eligible |  |  |
| XXXXXX6284 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 65 | 65 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX4884 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 75 | 75 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX5958 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 57.1 | 57.1 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXX | XXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX3580 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 63.93 | 63.93 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX1836 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 64.42 | 64.42 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 |  | LOW | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX8364 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 75 | 75 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX/XX/XXXX Eligible |  |  |
| XXXXXX3385 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 80 | 80 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |
| XXXXXX1072 |  |  | XXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXXXXXX | 80 | 80 | XXXXXXXXXXXX | XXXXXXXXXXXX | 0 | XXXXXXXXXXXX | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X | XX/XX/XXXX |

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